32566 — Santa Rosa County, Florida Market Snapshot
Housing market data for zip code 32566 in Santa Rosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$730,000
Days to Sell
43
Homes Sold
15
Inventory
66
Sale-to-List
97.7%
New Listings
41
Price/SqFt
$528
Pending Sales
23
Conforming Loan Available
The median home in 32566 at $730,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
32566's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32566 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 32566 at $730,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 32566 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 32566
To purchase the median home at $730,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,743.
Monthly Payment
$5,743
Income Required
$246,130
Principal & Interest
$4,498/mo
Down Payment (5%)
$36,500
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 32566.
Estimated Monthly Payment
$4,668
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