32040 — Baker County, Florida Market Snapshot
Housing market data for zip code 32040 in Baker County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$429,000
Days to Sell
50
Homes Sold
17
Inventory
28
Sale-to-List
97.1%
New Listings
24
Price/SqFt
$227
Pending Sales
23
Conforming Loan Available
Most homebuyers in 32040 can comfortably use conventional financing. The median home price of $429,000 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
32040's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32040 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 32040 can comfortably use conventional financing. The median home price of $429,000 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 32040 are set at the county level.
2026 Loan Limits — Baker 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 32040
To purchase the median home at $429,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,437.
Monthly Payment
$3,437
Income Required
$147,294
Principal & Interest
$2,643/mo
Down Payment (5%)
$21,450
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 32040.
Estimated Monthly Payment
$2,805
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