32580 — Okaloosa County, Florida Market Snapshot
Housing market data for zip code 32580 in Okaloosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$370,880
Days to Sell
53
Homes Sold
15
Inventory
36
Sale-to-List
99.6%
New Listings
35
Price/SqFt
$232
Pending Sales
24
Conforming Loan Available
Most homebuyers in 32580 can comfortably use conventional financing. The median home price of $370,880 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
32580's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 32580 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32580 can comfortably use conventional financing. The median home price of $370,880 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 32580 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 32580
To purchase the median home at $370,880 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,992.
Monthly Payment
$2,992
Income Required
$128,210
Principal & Interest
$2,285/mo
Down Payment (5%)
$18,544
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 32580.
Estimated Monthly Payment
$2,445
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