32065 — Clay County, Florida Market Snapshot
Housing market data for zip code 32065 in Clay County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
95 sales in 2026 (year to date)
Median Sale Price
$369,900
Days to Sell
76
Homes Sold
95
Inventory
120
Sale-to-List
97.5%
New Listings
134
Price/SqFt
$174
Pending Sales
112
Conforming Loan Available
Most homebuyers in 32065 can comfortably use conventional financing. The median home price of $369,900 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 76 days on average, 32065 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 32065 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32065 can comfortably use conventional financing. The median home price of $369,900 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 32065 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 32065
To purchase the median home at $369,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,984.
Monthly Payment
$2,984
Income Required
$127,888
Principal & Interest
$2,279/mo
Down Payment (5%)
$18,495
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 32065.
Estimated Monthly Payment
$2,439
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