32960 — Indian River County, Florida Market Snapshot
Housing market data for zip code 32960 in Indian River County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$130,700
Days to Sell
137
Homes Sold
15
Inventory
22
Sale-to-List
91.9%
New Listings
13
Price/SqFt
$145
Pending Sales
15
Conforming Loan Available
Most homebuyers in 32960 can comfortably use conventional financing. The median home price of $130,700 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 137 days on average, 32960 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 32960 sells for 8.1% below asking price (91.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32960 can comfortably use conventional financing. The median home price of $130,700 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 32960 are set at the county level.
2026 Loan Limits — Indian River 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 32960
To purchase the median home at $130,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,151.
Monthly Payment
$1,151
Income Required
$49,345
Principal & Interest
$805/mo
Down Payment (5%)
$6,535
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 32960.
Estimated Monthly Payment
$959
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