32129 — Volusia County, Florida Market Snapshot
Housing market data for zip code 32129 in Volusia County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$194,900
Days to Sell
89
Homes Sold
11
Inventory
35
Sale-to-List
95.7%
New Listings
20
Price/SqFt
$158
Pending Sales
9
Conforming Loan Available
Most homebuyers in 32129 can comfortably use conventional financing. The median home price of $194,900 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 89 days on average, 32129 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 32129 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32129 can comfortably use conventional financing. The median home price of $194,900 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 32129 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 32129
To purchase the median home at $194,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,643.
Monthly Payment
$1,643
Income Required
$70,425
Principal & Interest
$1,201/mo
Down Payment (5%)
$9,745
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 32129.
Estimated Monthly Payment
$1,356
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