32055 — Suwannee County, Florida Market Snapshot
Housing market data for zip code 32055 in Suwannee 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
$242,250
Days to Sell
65
Homes Sold
22
Inventory
61
Sale-to-List
95.3%
New Listings
44
Price/SqFt
$174
Pending Sales
29
Conforming Loan Available
Most homebuyers in 32055 can comfortably use conventional financing. The median home price of $242,250 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 65 days on average, 32055 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 32055 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32055 can comfortably use conventional financing. The median home price of $242,250 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 32055 are set at the county level.
2026 Loan Limits — Suwannee 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 32055
To purchase the median home at $242,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,006.
Monthly Payment
$2,006
Income Required
$85,973
Principal & Interest
$1,493/mo
Down Payment (5%)
$12,113
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 32055.
Estimated Monthly Payment
$1,649
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