32539 — Okaloosa County, Florida Market Snapshot
Housing market data for zip code 32539 in Okaloosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
194 sales in 2026 (year to date)
Median Sale Price
$314,000
Days to Sell
61
Homes Sold
194
Inventory
269
Sale-to-List
98.9%
New Listings
271
Price/SqFt
$177
Pending Sales
234
Conforming Loan Available
Most homebuyers in 32539 can comfortably use conventional financing. The median home price of $314,000 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 61 days on average, 32539 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 32539 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32539 can comfortably use conventional financing. The median home price of $314,000 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 32539 are set at the county level.
2026 Loan Limits — Okaloosa County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 32539
To purchase the median home at $314,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,556.
Monthly Payment
$2,556
Income Required
$109,533
Principal & Interest
$1,935/mo
Down Payment (5%)
$15,700
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 32539.
Estimated Monthly Payment
$2,093
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