32011 — Nassau County, Florida Market Snapshot
Housing market data for zip code 32011 in Nassau County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$387,500
Days to Sell
58
Homes Sold
25
Inventory
38
Sale-to-List
96.5%
New Listings
28
Price/SqFt
$239
Pending Sales
34
Conforming Loan Available
Most homebuyers in 32011 can comfortably use conventional financing. The median home price of $387,500 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
32011's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32011 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32011 can comfortably use conventional financing. The median home price of $387,500 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 32011 are set at the county level.
2026 Loan Limits — Nassau County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $580,750 |
| 2 Units | $1,066,250 | $743,450 |
| 3 Units | $1,288,800 | $898,700 |
| 4 Units | $1,601,750 | $1,116,850 |
Affordability Snapshot — Zip 32011
To purchase the median home at $387,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,119.
Monthly Payment
$3,119
Income Required
$133,667
Principal & Interest
$2,388/mo
Down Payment (5%)
$19,375
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 32011.
Estimated Monthly Payment
$2,548
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