32533 — Escambia County, Florida Market Snapshot
Housing market data for zip code 32533 in Escambia County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
242 sales in 2026 (year to date)
Median Sale Price
$331,450
Days to Sell
79
Homes Sold
242
Inventory
232
Sale-to-List
98.5%
New Listings
248
Price/SqFt
$171
Pending Sales
286
Conforming Loan Available
Most homebuyers in 32533 can comfortably use conventional financing. The median home price of $331,450 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 79 days on average, 32533 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
Homes are selling very close to asking price in 32533 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32533 can comfortably use conventional financing. The median home price of $331,450 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 32533 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 32533
To purchase the median home at $331,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,689.
Monthly Payment
$2,689
Income Required
$115,263
Principal & Interest
$2,042/mo
Down Payment (5%)
$16,573
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 32533.
Estimated Monthly Payment
$2,201
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