32828 — Orange County, Florida Market Snapshot
Housing market data for zip code 32828 in Orange County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$360,000
Days to Sell
27
Homes Sold
29
Inventory
38
Sale-to-List
97.0%
New Listings
41
Price/SqFt
$214
Pending Sales
27
Conforming Loan Available
Most homebuyers in 32828 can comfortably use conventional financing. The median home price of $360,000 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 32828 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 32828 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32828 can comfortably use conventional financing. The median home price of $360,000 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 32828 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 32828
To purchase the median home at $360,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,908.
Monthly Payment
$2,908
Income Required
$124,638
Principal & Interest
$2,218/mo
Down Payment (5%)
$18,000
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 32828.
Estimated Monthly Payment
$2,378
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