32127 — Volusia County, Florida Market Snapshot
Housing market data for zip code 32127 in Volusia County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
102 sales in 2026 (year to date)
Median Sale Price
$412,500
Days to Sell
58
Homes Sold
102
Inventory
115
Sale-to-List
95.3%
New Listings
126
Price/SqFt
$227
Pending Sales
119
Conforming Loan Available
Most homebuyers in 32127 can comfortably use conventional financing. The median home price of $412,500 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
32127's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32127 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 32127 can comfortably use conventional financing. The median home price of $412,500 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 32127 are set at the county level.
2026 Loan Limits — Volusia 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 32127
To purchase the median home at $412,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,310.
Monthly Payment
$3,310
Income Required
$141,876
Principal & Interest
$2,542/mo
Down Payment (5%)
$20,625
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 32127.
Estimated Monthly Payment
$2,703
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32127. Tell us what you're looking for.