32504 — Escambia County, Florida Market Snapshot
Housing market data for zip code 32504 in Escambia County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
87 sales in 2026 (year to date)
Median Sale Price
$289,000
Days to Sell
62
Homes Sold
87
Inventory
130
Sale-to-List
97.7%
New Listings
129
Price/SqFt
$174
Pending Sales
113
Conforming Loan Available
Most homebuyers in 32504 can comfortably use conventional financing. The median home price of $289,000 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 62 days on average, 32504 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 32504 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32504 can comfortably use conventional financing. The median home price of $289,000 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 32504 are set at the county level.
2026 Loan Limits — Escambia County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 32504
To purchase the median home at $289,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,364.
Monthly Payment
$2,364
Income Required
$101,324
Principal & Interest
$1,781/mo
Down Payment (5%)
$14,450
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 32504.
Estimated Monthly Payment
$1,939
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