32259 — St. Johns County, Florida Market Snapshot
Housing market data for zip code 32259 in St. Johns County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
436 sales in 2026 (year to date)
Median Sale Price
$589,500
Days to Sell
65
Homes Sold
436
Inventory
415
Sale-to-List
98.7%
New Listings
474
Price/SqFt
$236
Pending Sales
497
Conforming Loan Available
Most homebuyers in 32259 can comfortably use conventional financing. The median home price of $589,500 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, 32259 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 32259 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32259 can comfortably use conventional financing. The median home price of $589,500 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 32259 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 32259
To purchase the median home at $589,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,667.
Monthly Payment
$4,667
Income Required
$199,995
Principal & Interest
$3,632/mo
Down Payment (5%)
$29,475
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 32259.
Estimated Monthly Payment
$3,798
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