32693 — Gilchrist County, Florida Market Snapshot
Housing market data for zip code 32693 in Gilchrist County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$290,000
Days to Sell
127
Homes Sold
30
Inventory
46
Sale-to-List
96.1%
New Listings
36
Price/SqFt
$196
Pending Sales
36
Conforming Loan Available
Most homebuyers in 32693 can comfortably use conventional financing. The median home price of $290,000 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 127 days on average, 32693 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
The average home in 32693 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32693 can comfortably use conventional financing. The median home price of $290,000 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 32693 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 32693
To purchase the median home at $290,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,372.
Monthly Payment
$2,372
Income Required
$101,652
Principal & Interest
$1,787/mo
Down Payment (5%)
$14,500
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 32693.
Estimated Monthly Payment
$1,945
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