32174 — Volusia County, Florida Market Snapshot
Housing market data for zip code 32174 in Volusia County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
309 sales in 2026 (year to date)
Median Sale Price
$416,550
Days to Sell
79
Homes Sold
309
Inventory
394
Sale-to-List
97.1%
New Listings
383
Price/SqFt
$199
Pending Sales
378
Conforming Loan Available
Most homebuyers in 32174 can comfortably use conventional financing. The median home price of $416,550 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 79 days on average, 32174 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 32174 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32174 can comfortably use conventional financing. The median home price of $416,550 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 32174 are set at the county level.
2026 Loan Limits — Volusia 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 32174
To purchase the median home at $416,550 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,341.
Monthly Payment
$3,341
Income Required
$143,206
Principal & Interest
$2,567/mo
Down Payment (5%)
$20,828
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 32174.
Estimated Monthly Payment
$2,728
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