32577 — Escambia County, Florida Market Snapshot
Housing market data for zip code 32577 in Escambia County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$480,000
Days to Sell
105
Homes Sold
15
Inventory
18
Sale-to-List
99.8%
New Listings
14
Price/SqFt
$225
Pending Sales
15
Conforming Loan Available
Most homebuyers in 32577 can comfortably use conventional financing. The median home price of $480,000 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 105 days on average, 32577 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 32577 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32577 can comfortably use conventional financing. The median home price of $480,000 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 32577 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 32577
To purchase the median home at $480,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,828.
Monthly Payment
$3,828
Income Required
$164,040
Principal & Interest
$2,958/mo
Down Payment (5%)
$24,000
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 32577.
Estimated Monthly Payment
$3,121
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32577. Tell us what you're looking for.