32812 — Orange County, Florida Market Snapshot
Housing market data for zip code 32812 in Orange County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$400,000
Days to Sell
24
Homes Sold
76
Inventory
112
Sale-to-List
98.2%
New Listings
128
Price/SqFt
$256
Pending Sales
109
Conforming Loan Available
Most homebuyers in 32812 can comfortably use conventional financing. The median home price of $400,000 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
Homes in 32812 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 32812 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32812 can comfortably use conventional financing. The median home price of $400,000 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 32812 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 32812
To purchase the median home at $400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,215.
Monthly Payment
$3,215
Income Required
$137,772
Principal & Interest
$2,465/mo
Down Payment (5%)
$20,000
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 32812.
Estimated Monthly Payment
$2,626
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