32579 — Okaloosa County, Florida Market Snapshot
Housing market data for zip code 32579 in Okaloosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$442,450
Days to Sell
71
Homes Sold
40
Inventory
81
Sale-to-List
97.5%
New Listings
69
Price/SqFt
$221
Pending Sales
60
Conforming Loan Available
Most homebuyers in 32579 can comfortably use conventional financing. The median home price of $442,450 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 71 days on average, 32579 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 32579 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32579 can comfortably use conventional financing. The median home price of $442,450 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 32579 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 32579
To purchase the median home at $442,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,540.
Monthly Payment
$3,540
Income Required
$151,711
Principal & Interest
$2,726/mo
Down Payment (5%)
$22,123
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 32579.
Estimated Monthly Payment
$2,888
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