32256 — Duval County, Florida Market Snapshot
Housing market data for zip code 32256 in Duval County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
118 sales in 2026 (year to date)
Median Sale Price
$569,000
Days to Sell
70
Homes Sold
118
Inventory
115
Sale-to-List
97.4%
New Listings
128
Price/SqFt
$235
Pending Sales
149
Conforming Loan Available
Most homebuyers in 32256 can comfortably use conventional financing. The median home price of $569,000 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
With homes sitting for 70 days on average, 32256 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 32256 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32256 can comfortably use conventional financing. The median home price of $569,000 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 32256 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 32256
To purchase the median home at $569,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,510.
Monthly Payment
$4,510
Income Required
$193,264
Principal & Interest
$3,506/mo
Down Payment (5%)
$28,450
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 32256.
Estimated Monthly Payment
$3,671
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