32309 — Leon County, Florida Market Snapshot
Housing market data for zip code 32309 in Leon County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
127 sales in 2026 (year to date)
Median Sale Price
$422,000
Days to Sell
44
Homes Sold
127
Inventory
120
Sale-to-List
99.2%
New Listings
155
Price/SqFt
$210
Pending Sales
145
Conforming Loan Available
Most homebuyers in 32309 can comfortably use conventional financing. The median home price of $422,000 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
32309's market is balanced with homes taking an average of 44 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 32309 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32309 can comfortably use conventional financing. The median home price of $422,000 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 32309 are set at the county level.
2026 Loan Limits — Leon 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 32309
To purchase the median home at $422,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,383.
Monthly Payment
$3,383
Income Required
$144,996
Principal & Interest
$2,600/mo
Down Payment (5%)
$21,100
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 32309.
Estimated Monthly Payment
$2,762
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