32082 — St. Johns County, Florida Market Snapshot
Housing market data for zip code 32082 in St. Johns County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
203 sales in 2026 (year to date)
Median Sale Price
$865,000
Days to Sell
63
Homes Sold
203
Inventory
277
Sale-to-List
95.8%
New Listings
297
Price/SqFt
$411
Pending Sales
259
Jumbo Loan Likely Needed
The median home in 32082 at $865,000 exceeds the 2026 conforming loan limit of $832,750 by $32,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 63 days on average, 32082 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 32082 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 32082 at $865,000 exceeds the 2026 conforming loan limit of $832,750 by $32,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 32082 are set at the county level.
2026 Loan Limits — St. Johns County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $580,750 |
| 2 Units | $1,066,250 | $743,450 |
| 3 Units | $1,288,800 | $898,700 |
| 4 Units | $1,601,750 | $1,116,850 |
Affordability Snapshot — Zip 32082
To purchase the median home at $865,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,777.
Monthly Payment
$6,777
Income Required
$290,458
Principal & Interest
$5,330/mo
Down Payment (5%)
$43,250
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 32082.
Estimated Monthly Payment
$5,503
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32082. Tell us what you're looking for.