32222 — Duval County, Florida Market Snapshot
Housing market data for zip code 32222 in Duval County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$319,900
Days to Sell
57
Homes Sold
79
Inventory
87
Sale-to-List
99.0%
New Listings
99
Price/SqFt
$169
Pending Sales
90
Conforming Loan Available
Most homebuyers in 32222 can comfortably use conventional financing. The median home price of $319,900 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
32222's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 32222 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32222 can comfortably use conventional financing. The median home price of $319,900 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 32222 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 32222
To purchase the median home at $319,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,601.
Monthly Payment
$2,601
Income Required
$111,470
Principal & Interest
$1,971/mo
Down Payment (5%)
$15,995
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 32222.
Estimated Monthly Payment
$2,130
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