32461 — Walton County, Florida Market Snapshot
Housing market data for zip code 32461 in Walton County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$1,862,500
Days to Sell
100
Homes Sold
26
Inventory
51
Sale-to-List
95.9%
New Listings
31
Price/SqFt
$1,330
Pending Sales
19
Jumbo Loan Likely Needed
The median home in 32461 at $1,862,500 exceeds the 2026 conforming loan limit of $832,750 by $1,029,750. 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 100 days on average, 32461 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 32461 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 32461 at $1,862,500 exceeds the 2026 conforming loan limit of $832,750 by $1,029,750. 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 32461 are set at the county level.
2026 Loan Limits — Walton County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 32461
To purchase the median home at $1,862,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,420.
Monthly Payment
$14,420
Income Required
$617,995
Principal & Interest
$11,476/mo
Down Payment (5%)
$93,125
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 32461.
Estimated Monthly Payment
$11,677
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 32461.
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