32038 (Fort White)
Homes for Sale & Housing Market
Median sale price $252,500, down 20.4% year over year, with homes going under contract in about 51 days, 308 homes on the market.
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Housing Market Analyst
Inventory sits at 2.9 months of supply — tight by the 3-to-6-month balanced benchmark, and 12% of listed homes are already under contract. Prices are down 20.4% versus the prior year, but sellers are still collecting 89.9% of asking. Taken together, the data leans toward buyers — leverage is real for those ready to use it.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors buyers.
- Prices — more likely to stabilize than fall sharply. Supply remains below balanced levels even as prices soften; without a meaningful inventory build, further declines tend to be shallow.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 12% of inventory sits under contract.
- Mortgage sensitivity — at 4.9× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current 32038 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on 32038 (Fort White)
The median sale price across 32038 currently stands at $252,500, down 20.4% from a year ago. Buyers are paying a median of $199 per square foot. The typical home goes under contract in about 51 days. Sellers are capturing 89.9% of their original asking price on average.
There are 308 active listings on the market, with 133 more already under contract. At the current sales pace that works out to 2.9 months of supply — a seller-leaning market by the standard six-month benchmark. 1,282 homes closed here over the trailing 12 months.
Zillow's home value index for Columbia County stands at $271,439. About 26% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 32038 is 42 of 100 — buyer's opportunity territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 15, 2026.
32038 since 2016 — and where it’s heading
A median home here sold for $92,773 in 2016 and $257,454 over the last recorded year — 178% appreciation across 10 years of recorded sales. Cash buyers took 33% of recent sales, down from a 52% peak.
Median sale price · 2016–2026 (176 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Columbia County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Columbia County (MLS)
Median price · daily recalculation
What’s driving 32038
Movers arriving report ~$54,302 average income. Source: IRS SOI county-to-county migration, 2022-2023
274 Citizens policies in force in Columbia County — the state-backed insurer of last resort. Budget insurance into any Columbia purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
174 single-family · 8 multi-family · 2.6 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
Buyers: ask for concessions — rate buydowns and repair credits are back on the table. Sellers: presentation and the first two weekends decide your outcome; price accordingly.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Nearby ZIP codes in Columbia
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 32038 ← this page | $252K | 308 | 42 | |
| 32055 | $212K | 7 | 42 | Open → |
Neighborhoods on the move
| ROLLING ACRESBradenton | $252K | ▲ -23% |
| ROLLING ACRESBradenton | $252K | ▼ 23% |
| ROLLING ACRESBradenton | $252K | 1 |
| ROLLING ACRESBradenton | $252K | 22 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 32038 right now?
The data says conditions currently favor buyers in 32038 — the Momentum Score reads 42/100 with 2.9 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 32038 becoming more affordable?
Yes, modestly — the median sale price in 32038 is $252,500, down 20.4% versus the prior year, while sellers still capture 89.9% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in 32038?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are ROLLING ACRES (-23%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which 32038 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are ROLLING ACRES (22 days) — homes there go under contract well ahead of the market-wide pace of 51 days.
32038 (Fort White) housing market FAQ
How is the housing market in 32038 right now?
As of September 15, 2026, the 32038 housing market favors buyers: the median sale price is $252,500 (down 20.4% year over year), 308 homes are for sale against 1,282 sales in the last 12 months, which is 2.9 months of supply, and the typical home goes under contract in about 51 days.
How much is a house in 32038?
The median home sold for $252,500 in 32038 over the last 12 months, about $199 per square foot; asking prices on the 308 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in 32038?
By the numbers, sellers in 32038 are getting 89.9% of asking price and going under contract in about 51 days with 2.9 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the 32038 housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: 32038 median sale prices are down 20.4% year over year, inventory stands at 2.9 months of supply, and 12% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in 32038?
The median sale price in 32038 is currently $252,500, down 20.4% from a year ago, based on MLS sales data updated September 15, 2026.
Is 32038 a buyer's or seller's market right now?
The data currently favors buyers. 32038 scores 42 of 100 on the Momentum Score, with 2.9 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 32038?
The typical home in 32038 goes under contract in about 51 days, per current MLS data.
How many homes are for sale in 32038?
There are approximately 308 active listings in 32038 as of September 15, 2026.
Are home prices in 32038 rising or falling?
Median sale prices are down 20.4% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across 32038 (Fort White). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: September 15, 2026 at 7:33 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.