32669 — Gilchrist County, Florida Market Snapshot
Housing market data for zip code 32669 in Gilchrist County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
88 sales in 2026 (year to date)
Median Sale Price
$352,745
Days to Sell
57
Homes Sold
88
Inventory
141
Sale-to-List
98.8%
New Listings
164
Price/SqFt
$195
Pending Sales
119
Conforming Loan Available
Most homebuyers in 32669 can comfortably use conventional financing. The median home price of $352,745 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
32669's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 32669 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32669 can comfortably use conventional financing. The median home price of $352,745 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 32669 are set at the county level.
2026 Loan Limits — Gilchrist 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 32669
To purchase the median home at $352,745 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,853.
Monthly Payment
$2,853
Income Required
$122,255
Principal & Interest
$2,174/mo
Down Payment (5%)
$17,637
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 32669.
Estimated Monthly Payment
$2,333
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