32789 — Orange County, Florida Market Snapshot
Housing market data for zip code 32789 in Orange County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$365,750
Days to Sell
60
Homes Sold
22
Inventory
31
Sale-to-List
93.5%
New Listings
26
Price/SqFt
$333
Pending Sales
25
Conforming Loan Available
Most homebuyers in 32789 can comfortably use conventional financing. The median home price of $365,750 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 60 days on average, 32789 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 32789 sells for 6.5% below asking price (93.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32789 can comfortably use conventional financing. The median home price of $365,750 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 32789 are set at the county level.
2026 Loan Limits — Orange County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 32789
To purchase the median home at $365,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,952.
Monthly Payment
$2,952
Income Required
$126,526
Principal & Interest
$2,254/mo
Down Payment (5%)
$18,288
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 32789.
Estimated Monthly Payment
$2,414
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