32250 — Duval County, Florida Market Snapshot
Housing market data for zip code 32250 in Duval County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
154 sales in 2026 (year to date)
Median Sale Price
$677,500
Days to Sell
72
Homes Sold
154
Inventory
231
Sale-to-List
96.7%
New Listings
219
Price/SqFt
$385
Pending Sales
184
Conforming Loan Available
The median home in 32250 at $677,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 72 days on average, 32250 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 32250 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 32250 at $677,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 32250 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 32250
To purchase the median home at $677,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,341.
Monthly Payment
$5,341
Income Required
$228,891
Principal & Interest
$4,175/mo
Down Payment (5%)
$33,875
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 32250.
Estimated Monthly Payment
$4,343
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