32583 — Santa Rosa County, Florida Market Snapshot
Housing market data for zip code 32583 in Santa Rosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
277 sales in 2026 (year to date)
Median Sale Price
$310,200
Days to Sell
76
Homes Sold
277
Inventory
281
Sale-to-List
99.0%
New Listings
349
Price/SqFt
$175
Pending Sales
346
Conforming Loan Available
Most homebuyers in 32583 can comfortably use conventional financing. The median home price of $310,200 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 76 days on average, 32583 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
Homes are selling very close to asking price in 32583 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32583 can comfortably use conventional financing. The median home price of $310,200 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 32583 are set at the county level.
2026 Loan Limits — Santa Rosa 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 32583
To purchase the median home at $310,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,527.
Monthly Payment
$2,527
Income Required
$108,285
Principal & Interest
$1,911/mo
Down Payment (5%)
$15,510
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 32583.
Estimated Monthly Payment
$2,070
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