32038 (Fort White)
Housing Market
Median sale price $330,000, down 5.9% year over year, with homes going under contract in about 44 days, 308 homes on the market.
Momentum
Your exact situation run against today's numbers: true comps, negotiation targets, and the off-market homes portals never show.
Selling instead? See what your home is worth today →
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 5.9% versus the prior year, but sellers are still collecting 93.1% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
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 neither side decisively.
- 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.
- Negotiating power — buyers gain ground as 12% of inventory sits under contract.
- Mortgage sensitivity — at 5.0× 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 $330,000, down 5.9% from a year ago. Buyers are paying a median of $215 per square foot. The typical home goes under contract in about 44 days. Sellers are capturing 93.1% 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 $274,669. About 25% 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 51 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
32038 since 2014 — and where it’s heading
A median home here sold for $154,675 in 2014 and $338,938 over the last recorded year — 119% appreciation across 12 years of recorded sales. Cash buyers took 29% of recent sales, down from a 46% peak.
Median sale price · 2014–2026 (422 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Columbia County (Zillow ZHVI)
For-sale inventory · county (Zillow)
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.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
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 | $330K | 308 | 51 | |
| 32025 | $350K | 12 | 77 | Open → |
| 32055 | $222K | 7 | 41 | Open → |
| 32024 | $335K | 1 | 55 | Open → |
Neighborhoods on the move
| FAIRVIEW ESTATESLady Lake | $419K | ▲ 5% |
| ROLLING ACRESBradenton | $252K | ▲ -23% |
| ROLLING ACRESBradenton | $252K | ▼ 23% |
| FAIRVIEW ESTATESLady Lake | $419K | ▼ 5% |
| ROLLING ACRESBradenton | $252K | 1 |
| ROLLING ACRESBradenton | $252K | 22 days |
| FAIRVIEW ESTATESLady Lake | $419K | 29 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 neither side decisively in 32038 — the Momentum Score reads 51/100 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 $330,000, down 5.9% versus the prior year, while sellers still capture 93.1% 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%); FAIRVIEW ESTATES (5%). 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); FAIRVIEW ESTATES (29 days) — homes there go under contract well ahead of the market-wide pace of 44 days.
32038 (Fort White) housing market FAQ
What is the median home price in 32038?
The median sale price in 32038 is currently $330,000, down 5.9% from a year ago, based on MLS sales data updated August 6, 2026.
Is 32038 a buyer's or seller's market right now?
The data currently is roughly balanced. 32038 scores 51 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 44 days, per current MLS data.
How many homes are for sale in 32038?
There are approximately 308 active listings in 32038 as of August 6, 2026.
Are home prices in 32038 rising or falling?
Median sale prices are down 5.9% 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: August 6, 2026 at 7:18 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.