32435 — Walton County, Florida Market Snapshot
Housing market data for zip code 32435 in Walton County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$263,980
Days to Sell
66
Homes Sold
27
Inventory
44
Sale-to-List
97.7%
New Listings
41
Price/SqFt
$170
Pending Sales
36
Conforming Loan Available
Most homebuyers in 32435 can comfortably use conventional financing. The median home price of $263,980 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, 32435 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 32435 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32435 can comfortably use conventional financing. The median home price of $263,980 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 32435 are set at the county level.
2026 Loan Limits — Walton County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 32435
To purchase the median home at $263,980 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,173.
Monthly Payment
$2,173
Income Required
$93,108
Principal & Interest
$1,627/mo
Down Payment (5%)
$13,199
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 32435.
Estimated Monthly Payment
$1,784
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