32218 — Duval County, Florida Market Snapshot
Housing market data for zip code 32218 in Duval County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
320 sales in 2026 (year to date)
Median Sale Price
$311,995
Days to Sell
60
Homes Sold
320
Inventory
349
Sale-to-List
98.3%
New Listings
403
Price/SqFt
$172
Pending Sales
376
Conforming Loan Available
Most homebuyers in 32218 can comfortably use conventional financing. The median home price of $311,995 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 60 days on average, 32218 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
Homes are selling very close to asking price in 32218 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32218 can comfortably use conventional financing. The median home price of $311,995 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 32218 are set at the county level.
2026 Loan Limits — Duval 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 32218
To purchase the median home at $311,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,540.
Monthly Payment
$2,540
Income Required
$108,874
Principal & Interest
$1,922/mo
Down Payment (5%)
$15,600
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 32218.
Estimated Monthly Payment
$2,081
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