32081 — St. Johns County, Florida Market Snapshot
Housing market data for zip code 32081 in St. Johns County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
258 sales in 2026 (year to date)
Median Sale Price
$680,950
Days to Sell
87
Homes Sold
258
Inventory
330
Sale-to-List
98.0%
New Listings
323
Price/SqFt
$287
Pending Sales
300
Conforming Loan Available
The median home in 32081 at $680,950 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
With homes sitting for 87 days on average, 32081 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 32081 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 32081 at $680,950 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 32081 are set at the county level.
2026 Loan Limits — St. Johns County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $580,750 |
| 2 Units | $1,066,250 | $743,450 |
| 3 Units | $1,288,800 | $898,700 |
| 4 Units | $1,601,750 | $1,116,850 |
Affordability Snapshot — Zip 32081
To purchase the median home at $680,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,367.
Monthly Payment
$5,367
Income Required
$230,024
Principal & Interest
$4,196/mo
Down Payment (5%)
$34,048
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 32081.
Estimated Monthly Payment
$4,364
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