32220 — Duval County, Florida Market Snapshot
Housing market data for zip code 32220 in Duval County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$296,000
Days to Sell
66
Homes Sold
42
Inventory
50
Sale-to-List
98.2%
New Listings
59
Price/SqFt
$173
Pending Sales
48
Conforming Loan Available
Most homebuyers in 32220 can comfortably use conventional financing. The median home price of $296,000 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 66 days on average, 32220 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 32220 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32220 can comfortably use conventional financing. The median home price of $296,000 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 32220 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 32220
To purchase the median home at $296,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,418.
Monthly Payment
$2,418
Income Required
$103,623
Principal & Interest
$1,824/mo
Down Payment (5%)
$14,800
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 32220.
Estimated Monthly Payment
$1,982
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