32225 — Duval County, Florida Market Snapshot
Housing market data for zip code 32225 in Duval County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
187 sales in 2026 (year to date)
Median Sale Price
$395,000
Days to Sell
52
Homes Sold
187
Inventory
184
Sale-to-List
98.6%
New Listings
227
Price/SqFt
$217
Pending Sales
216
Conforming Loan Available
Most homebuyers in 32225 can comfortably use conventional financing. The median home price of $395,000 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
32225's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 32225 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32225 can comfortably use conventional financing. The median home price of $395,000 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 32225 are set at the county level.
2026 Loan Limits — Duval 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 32225
To purchase the median home at $395,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,176.
Monthly Payment
$3,176
Income Required
$136,130
Principal & Interest
$2,434/mo
Down Payment (5%)
$19,750
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 32225.
Estimated Monthly Payment
$2,595
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