32509 — Escambia County, Florida Market Snapshot
Housing market data for zip code 32509 in Escambia County, Florida. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Escambia County county page for broader data.
Market Sales Data
1 sales in 2020
Median Sale Price
$294,000
Days to Sell
240
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 32509 can comfortably use conventional financing. The median home price of $294,000 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 240 days on average, 32509 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 32509 can comfortably use conventional financing. The median home price of $294,000 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 32509 are set at the county level.
2026 Loan Limits — Escambia County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 32509
To purchase the median home at $294,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,403.
Monthly Payment
$2,403
Income Required
$102,966
Principal & Interest
$1,812/mo
Down Payment (5%)
$14,700
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 32509.
Estimated Monthly Payment
$1,970
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32509. Tell us what you're looking for.