32466 — Bay County, Florida Market Snapshot
Housing market data for zip code 32466 in Bay County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$288,995
Days to Sell
65
Homes Sold
18
Inventory
23
Sale-to-List
98.1%
New Listings
25
Price/SqFt
$185
Pending Sales
23
Conforming Loan Available
Most homebuyers in 32466 can comfortably use conventional financing. The median home price of $288,995 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, 32466 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 32466 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32466 can comfortably use conventional financing. The median home price of $288,995 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 32466 are set at the county level.
2026 Loan Limits — Bay 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 32466
To purchase the median home at $288,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,364.
Monthly Payment
$2,364
Income Required
$101,323
Principal & Interest
$1,781/mo
Down Payment (5%)
$14,450
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 32466.
Estimated Monthly Payment
$1,939
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