32571 — Santa Rosa County, Florida Market Snapshot
Housing market data for zip code 32571 in Santa Rosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
217 sales in 2026 (year to date)
Median Sale Price
$340,522
Days to Sell
65
Homes Sold
217
Inventory
285
Sale-to-List
99.2%
New Listings
324
Price/SqFt
$180
Pending Sales
260
Conforming Loan Available
Most homebuyers in 32571 can comfortably use conventional financing. The median home price of $340,522 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 65 days on average, 32571 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 32571 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32571 can comfortably use conventional financing. The median home price of $340,522 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 32571 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 32571
To purchase the median home at $340,522 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,759.
Monthly Payment
$2,759
Income Required
$118,242
Principal & Interest
$2,098/mo
Down Payment (5%)
$17,026
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 32571.
Estimated Monthly Payment
$2,257
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