32136 — Flagler County, Florida Market Snapshot
Housing market data for zip code 32136 in Flagler County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$555,090
Days to Sell
77
Homes Sold
57
Inventory
105
Sale-to-List
95.9%
New Listings
78
Price/SqFt
$266
Pending Sales
64
Conforming Loan Available
Most homebuyers in 32136 can comfortably use conventional financing. The median home price of $555,090 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 77 days on average, 32136 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 32136 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32136 can comfortably use conventional financing. The median home price of $555,090 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 32136 are set at the county level.
2026 Loan Limits — Flagler 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 32136
To purchase the median home at $555,090 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,403.
Monthly Payment
$4,403
Income Required
$188,697
Principal & Interest
$3,420/mo
Down Payment (5%)
$27,755
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 32136.
Estimated Monthly Payment
$3,585
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