32097 — Nassau County, Florida Market Snapshot
Housing market data for zip code 32097 in Nassau County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
180 sales in 2026 (year to date)
Median Sale Price
$437,803
Days to Sell
84
Homes Sold
180
Inventory
218
Sale-to-List
98.7%
New Listings
214
Price/SqFt
$205
Pending Sales
194
Conforming Loan Available
Most homebuyers in 32097 can comfortably use conventional financing. The median home price of $437,803 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 84 days on average, 32097 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 32097 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32097 can comfortably use conventional financing. The median home price of $437,803 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 32097 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 32097
To purchase the median home at $437,803 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,504.
Monthly Payment
$3,504
Income Required
$150,184
Principal & Interest
$2,698/mo
Down Payment (5%)
$21,890
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 32097.
Estimated Monthly Payment
$2,859
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