32570 — Santa Rosa County, Florida Market Snapshot
Housing market data for zip code 32570 in Santa Rosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
135 sales in 2026 (year to date)
Median Sale Price
$293,000
Days to Sell
66
Homes Sold
135
Inventory
166
Sale-to-List
98.6%
New Listings
159
Price/SqFt
$171
Pending Sales
160
Conforming Loan Available
Most homebuyers in 32570 can comfortably use conventional financing. The median home price of $293,000 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 66 days on average, 32570 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
Homes are selling very close to asking price in 32570 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32570 can comfortably use conventional financing. The median home price of $293,000 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 32570 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 32570
To purchase the median home at $293,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,395.
Monthly Payment
$2,395
Income Required
$102,637
Principal & Interest
$1,805/mo
Down Payment (5%)
$14,650
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 32570.
Estimated Monthly Payment
$1,963
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