32656 — Clay County, Florida Market Snapshot
Housing market data for zip code 32656 in Clay County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$322,500
Days to Sell
78
Homes Sold
34
Inventory
71
Sale-to-List
95.5%
New Listings
62
Price/SqFt
$200
Pending Sales
45
Conforming Loan Available
Most homebuyers in 32656 can comfortably use conventional financing. The median home price of $322,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 78 days on average, 32656 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 32656 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32656 can comfortably use conventional financing. The median home price of $322,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 32656 are set at the county level.
2026 Loan Limits — Clay County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $580,750 |
| 2 Units | $1,066,250 | $743,450 |
| 3 Units | $1,288,800 | $898,700 |
| 4 Units | $1,601,750 | $1,116,850 |
Affordability Snapshot — Zip 32656
To purchase the median home at $322,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,621.
Monthly Payment
$2,621
Income Required
$112,324
Principal & Interest
$1,987/mo
Down Payment (5%)
$16,125
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 32656.
Estimated Monthly Payment
$2,146
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32656. Tell us what you're looking for.