32656 — Clay County, Florida Market Snapshot

Housing market data for zip code 32656 in Clay County, Florida. Updated monthly with median prices, days on market, and more.

Data as of May 2026

Market Sales Data

34 sales in 2026 (year to date)

Source: Redfin

Median Sale Price

$322,500

18.4% YoYClosed sales

Days to Sell

78

Median, listing to close

Homes Sold

34

Closed in 2026

Inventory

71

Sale-to-List

95.5%

New Listings

62

Price/SqFt

$200

Pending Sales

45

Conforming Loan Available

Most homebuyers in 32656 can comfortably use conventional financing. The median home price of $322,500 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 78 days on average, 32656 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 32656 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.

Conforming Loan Feasibility

Most homebuyers in 32656 can comfortably use conventional financing. The median home price of $322,500 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 32656 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 32656

To purchase the median home at $322,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,621.

Monthly Payment

$2,621

Income Required

$112,324

Principal & Interest

$1,987/mo

Down Payment (5%)

$16,125

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 32656.

%
%

Estimated Monthly Payment

$2,146

Principal & Interest$1,673
Property Tax$323
Insurance$150
Loan Amount$258,000
Total Interest$344,417
Income Required$91,966/yr

Connect with a LoanGraphs Loan Officer

Get expert guidance for zip code 32656. Tell us what you're looking for.

I'm interested in:

No obligation. Free consultation.