32043 — Clay County, Florida Market Snapshot
Housing market data for zip code 32043 in Clay County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
286 sales in 2026 (year to date)
Median Sale Price
$357,237
Days to Sell
83
Homes Sold
286
Inventory
341
Sale-to-List
98.3%
New Listings
351
Price/SqFt
$177
Pending Sales
371
Conforming Loan Available
Most homebuyers in 32043 can comfortably use conventional financing. The median home price of $357,237 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 83 days on average, 32043 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 32043 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32043 can comfortably use conventional financing. The median home price of $357,237 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 32043 are set at the county level.
2026 Loan Limits — Clay 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 32043
To purchase the median home at $357,237 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,887.
Monthly Payment
$2,887
Income Required
$123,730
Principal & Interest
$2,201/mo
Down Payment (5%)
$17,862
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 32043.
Estimated Monthly Payment
$2,361
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