32640 — Putnam County, Florida Market Snapshot
Housing market data for zip code 32640 in Putnam County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$352,500
Days to Sell
127
Homes Sold
14
Inventory
43
Sale-to-List
93.4%
New Listings
33
Price/SqFt
$203
Pending Sales
21
Conforming Loan Available
Most homebuyers in 32640 can comfortably use conventional financing. The median home price of $352,500 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
With homes sitting for 127 days on average, 32640 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 32640 sells for 6.6% below asking price (93.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32640 can comfortably use conventional financing. The median home price of $352,500 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 32640 are set at the county level.
2026 Loan Limits — Putnam 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 32640
To purchase the median home at $352,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,851.
Monthly Payment
$2,851
Income Required
$122,175
Principal & Interest
$2,172/mo
Down Payment (5%)
$17,625
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 32640.
Estimated Monthly Payment
$2,332
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