32514 — Escambia County, Florida Market Snapshot
Housing market data for zip code 32514 in Escambia County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$263,000
Days to Sell
50
Homes Sold
103
Inventory
128
Sale-to-List
97.8%
New Listings
152
Price/SqFt
$173
Pending Sales
141
Conforming Loan Available
Most homebuyers in 32514 can comfortably use conventional financing. The median home price of $263,000 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
32514's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32514 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32514 can comfortably use conventional financing. The median home price of $263,000 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 32514 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 32514
To purchase the median home at $263,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,165.
Monthly Payment
$2,165
Income Required
$92,787
Principal & Interest
$1,621/mo
Down Payment (5%)
$13,150
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 32514.
Estimated Monthly Payment
$1,778
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32514. Tell us what you're looking for.