32565 — Santa Rosa County, Florida Market Snapshot
Housing market data for zip code 32565 in Santa Rosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$314,490
Days to Sell
61
Homes Sold
22
Inventory
32
Sale-to-List
97.0%
New Listings
23
Price/SqFt
$166
Pending Sales
30
Conforming Loan Available
Most homebuyers in 32565 can comfortably use conventional financing. The median home price of $314,490 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 61 days on average, 32565 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 32565 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32565 can comfortably use conventional financing. The median home price of $314,490 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 32565 are set at the county level.
2026 Loan Limits — Santa Rosa 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 32565
To purchase the median home at $314,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,560.
Monthly Payment
$2,560
Income Required
$109,694
Principal & Interest
$1,938/mo
Down Payment (5%)
$15,725
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 32565.
Estimated Monthly Payment
$2,096
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