32034 — Nassau County, Florida Market Snapshot
Housing market data for zip code 32034 in Nassau County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
322 sales in 2026 (year to date)
Median Sale Price
$647,500
Days to Sell
51
Homes Sold
322
Inventory
458
Sale-to-List
96.5%
New Listings
420
Price/SqFt
$344
Pending Sales
358
Conforming Loan Available
Most homebuyers in 32034 can comfortably use conventional financing. The median home price of $647,500 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
32034's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32034 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32034 can comfortably use conventional financing. The median home price of $647,500 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 32034 are set at the county level.
2026 Loan Limits — Nassau 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 32034
To purchase the median home at $647,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,111.
Monthly Payment
$5,111
Income Required
$219,040
Principal & Interest
$3,990/mo
Down Payment (5%)
$32,375
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 32034.
Estimated Monthly Payment
$4,157
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