32567 — Okaloosa County, Florida Market Snapshot
Housing market data for zip code 32567 in Okaloosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$306,990
Days to Sell
52
Homes Sold
25
Inventory
26
Sale-to-List
99.1%
New Listings
36
Price/SqFt
$145
Pending Sales
28
Conforming Loan Available
Most homebuyers in 32567 can comfortably use conventional financing. The median home price of $306,990 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
32567's market is balanced with homes taking an average of 52 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 32567 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32567 can comfortably use conventional financing. The median home price of $306,990 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 32567 are set at the county level.
2026 Loan Limits — Okaloosa County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 32567
To purchase the median home at $306,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,502.
Monthly Payment
$2,502
Income Required
$107,231
Principal & Interest
$1,892/mo
Down Payment (5%)
$15,350
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 32567.
Estimated Monthly Payment
$2,050
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32567. Tell us what you're looking for.