Aerial view of 32640, Florida

32640 (Hawthorne)
Homes for Sale & Housing Market

ZIP code market report · Putnam County

Median sale price $265,000, down 12.7% year over year, with homes going under contract in about 67 days, 5 homes on the market.

7 communities reporting38 sales analyzedRefreshed twice dailyMomentum Score 38
Live Market Pulse
38/100
Momentum
Buyer's Opportunity
Prices are down 13% year over year — negotiating room is real. Recalculated every day from licensed MLS data · last refresh September 15, 2026 at 7:33 PM ET.
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Live · 32640 Housing Pulse Licensed FL MLS feeds + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$265K
Median sold · 12 moConfidence: Medium
down 12.7% vs the prior 12 months
-12.7%
1-yr price change
n = 38 recent sales
$192/sf
Sold $/sqft · 12 mo
Putnam County: $164 · +14.5% vs prior yr
92.9%
Sale vs ask
Putnam County: 92.7% · +0.1pp vs prior yr
$220K
Putnam County home value
Zillow ZHVI, monthly · +0.9% vs a year ago
Tempo
6.4mo
Supply
3 to 6 months is the balanced band
67days
Median DOM · closed
Putnam County: 66 days · +12.0 days vs prior yr
27%
Under contract
Putnam County: 29%
5 · 1 ▲6
For sale · pending
live counts, refreshed twice daily
9
Sold · last 12 mo
closed across all tracked communities · +22.6% vs prior yr
Market context
26%
Listings with price cuts
Putnam County · Zillow · +0.1pp vs prior month
384
County for-sale inventory
Zillow, monthly · -1.0% vs prior month
5%
New construction
share of recent sales · -4.4pp vs prior yr
38%
Cash buyers
share of sales · peak 44% · -0.1pp vs prior yr
38/100
Momentum score
Buyer's Opportunity
Economy & people · county layer
$47,256
Median household income
U.S. Census ACS, county
74,235
County population
+2.0% since 2018
4.7×
Price to income
county home value vs median income
73%
Owner-occupied
U.S. Census ACS, county
$1,196/yr
Median property tax
county, ACS
Licensed FL MLSZillow ResearchU.S. Census ACSPublic records
$3.5B+ sold 10,000+ customers served Top 1% in Florida · RealTrends 800+ five-star reviews Licensed FL MLS data Updated daily
Today's Take · September 15, 2026
Jon Brooks
Jon Brooks
Co-Founder, Momentum Realty · CEO, Momentum Research
Housing Market Analyst

Inventory sits at 6.4 months of supply — heavy by the 3-to-6-month balanced benchmark, and 27% of listed homes are already under contract. Prices are down 12.7% versus the prior year, but sellers are still collecting 92.9% of asking. Taken together, the data leans toward buyers — leverage is real for those ready to use it.

What It Means

Who has leverage right now

BUYER'S SELLER'S 38
Momentum Score
Buyer leverage62
Seller leverage38

Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors buyers.

Momentum Outlook
  • Prices — heavy supply keeps the pressure on sellers; softening is the path of least resistance.
  • Inventory — building over the tracked window; watch whether that holds through the season.
  • Negotiating power — buyers gain ground as 27% of inventory sits under contract.
  • Mortgage sensitivity — at 4.7× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.

Derived from current 32640 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.

Analysis

The read on 32640 (Hawthorne)

The median sale price across 32640 currently stands at $265,000, down 12.7% from a year ago. Buyers are paying a median of $192 per square foot. The typical home goes under contract in about 67 days. Sellers are capturing 92.9% of their original asking price on average.

There are 5 active listings on the market, with 1 more already under contract. At the current sales pace that works out to 6.4 months of supply — a buyer-leaning market by the standard six-month benchmark. 9 homes closed here over the trailing 12 months.

Zillow's home value index for Putnam County stands at $220,059. 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 32640 is 38 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.

Trends & History

32640 since 2013 — and where it’s heading

A median home here sold for $35,000 in 2013 and $310,947 over the last recorded year — 788% appreciation across 13 years of recorded sales. Cash buyers took 38% of recent sales, down from a 44% peak.

Median sale price · 2013–2026 (535 recorded sales)

$29K$173K$317K$311K2013: $35K2014: $54K2015: $105K2016: $105K2017: $191K2018: $118K2019: $167K2020: $118K2021: $167K2022: $188K2023: $220K2024: $310K2025: $304K2026: $311K20132016202020232026

Days on market by year

46d79d112d67d2013: 68d2014: 69d2015: 111d2016: 94d2017: 62d2018: 109d2019: 80d2020: 55d2021: 59d2022: 48d2023: 54d2024: 50d2025: 55d2026: 67d20132016202020232026

Cash buyers · share of sales

26%35%44%38%2017: 44%2018: 43%2019: 26%2020: 38%2021: 38%20172018201920202021

Home value trend · Putnam County (Zillow ZHVI)

$217K$220K$222K$220KJul '25: $218KAug '25: $218KSep '25: $217KOct '25: $217KNov '25: $217KDec '25: $218KJan '26: $218KFeb '26: $220KMar '26: $221KApr '26: $222KMay '26: $222KJun '26: $221KJul '26: $220KJul '25Oct '25Jan '26Apr '26Jul '26

For-sale inventory · county (Zillow)

362399436384Jul '25: 435Aug '25: 426Sep '25: 415Oct '25: 405Nov '25: 392Dec '25: 376Jan '26: 367Feb '26: 364Mar '26: 371Apr '26: 376May '26: 382Jun '26: 388Jul '26: 384Jul '25Oct '25Jan '26Apr '26Jul '26

Daily active vs pending · Putnam County (MLS)

79373668Jul 07 · Active: 399Aug 03 · Active: 403Aug 04 · Active: 400Aug 05 · Active: 399Aug 06 · Active: 394Aug 07 · Active: 397Aug 08 · Active: 400Aug 09 · Active: 400Aug 10 · Active: 393Aug 11 · Active: 389Aug 12 · Active: 387Aug 13 · Active: 387Aug 15 · Active: 397Aug 17 · Active: 397Aug 19 · Active: 398Aug 22 · Active: 392Aug 23 · Active: 392Aug 28 · Active: 395Aug 29 · Active: 399Aug 30 · Active: 396Aug 31 · Active: 393Sep 07 · Active: 643Sep 09 · Active: 643Sep 11 · Active: 652Sep 12 · Active: 652Sep 13 · Active: 651Sep 14 · Active: 651Sep 15 · Active: 657Jul 07Aug 19Sep 15ActivePending

Median price · daily recalculation

$265K$270K$275K$265KAug 06: $265KAug 08: $265KAug 09: $265KAug 10: $265KAug 11: $265KAug 12: $265KAug 13: $265KAug 15: $265KAug 17: $275KAug 18: $275KAug 19: $275KAug 20: $275KAug 21: $275KAug 22: $275KAug 23: $275KAug 24: $275KAug 26: $275KAug 28: $265KAug 29: $265KAug 30: $265KAug 31: $265KSep 01: $265KSep 04: $265KSep 05: $265KSep 06: $265KSep 07: $265KSep 08: $265KSep 09: $265KSep 10: $265KSep 11: $265KSep 12: $265KSep 13: $265KSep 14: $265KSep 15: $265KAug 06Aug 17Aug 28Sep 07Sep 15
Single-family 91%Manufactured 7%Mobile 1%Manufactured Home - Post 1977 1%
Local Economics · county layer

What’s driving 32640

Who’s moving here
+1,111 net residents/yr

Movers arriving report ~$55,107 average income. Source: IRS SOI county-to-county migration, 2022-2023

Insurance reality check
$1,345/yr avg premium

550 Citizens policies in force in Putnam County — the state-backed insurer of last resort. Budget insurance into any Putnam purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026

Building pipeline
127 units permitted +16% YoY

91 single-family · 36 multi-family · 1.7 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025

Momentum Research Desk

The calls we’re making from today’s data

Biggest move
HIDDEN LAKE ESTATES ▼ 21%

The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.

What we’re telling clients today

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.

Compare Markets

Nearby ZIP codes in Putnam

MarketMedianActiveScore
32640 ← this page$265K538
31024$391K7446Open →
32148$142K3446Open →
32666$365K3472Open →
32177$214K1452Open →
32112$270K1152Open →
Community Movers

Neighborhoods on the move

Prices rising fastest
Melrose LandingHawthorne$265K▲ -2%
HawthorneHawthorne$247K▲ -15%
HIDDEN LAKE ESTATESGroveland$509K▲ -21%
Prices cooling fastest
HIDDEN LAKE ESTATESGroveland$509K▼ 21%
HawthorneHawthorne$247K▼ 15%
Melrose LandingHawthorne$265K▼ 2%
Most homes for sale
HIDDEN LAKE ESTATESGroveland$509K1
Selling fastest
HIDDEN LAKE ESTATESGroveland$509K46 days
Melrose LandingHawthorne$265K52 days
HawthorneHawthorne$247K74 days
Explore Deeper

Cities in this ZIP

Most active communities

Keep Going

Put this data to work

Plain Answers

The questions people actually ask

Should I buy a house in 32640 right now?

The data says conditions currently favor buyers in 32640 — the Momentum Score reads 38/100 with 6.4 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 32640 becoming more affordable?

Yes, modestly — the median sale price in 32640 is $265,000, down 12.7% versus the prior year, while sellers still capture 92.9% 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 32640?

Among tracked communities with enough sales to measure, the sharpest 1-year median declines are HIDDEN LAKE ESTATES (-21%); Hawthorne (-15%); Melrose Landing (-2%). 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 32640 neighborhoods are most competitive?

Measured by speed of sale, the fastest-moving tracked communities right now are HIDDEN LAKE ESTATES (46 days); Melrose Landing (52 days); Hawthorne (74 days) — homes there go under contract well ahead of the market-wide pace of 67 days.

Questions

32640 (Hawthorne) housing market FAQ

How is the housing market in 32640 right now?

As of September 15, 2026, the 32640 housing market favors buyers: the median sale price is $265,000 (down 12.7% year over year), 5 homes are for sale against 9 sales in the last 12 months, which is 6.4 months of supply, and the typical home goes under contract in about 67 days.

How much is a house in 32640?

The median home sold for $265,000 in 32640 over the last 12 months, about $192 per square foot; asking prices on the 5 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 32640?

By the numbers, sellers in 32640 are getting 92.9% of asking price and going under contract in about 67 days with 6.4 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 32640 housing market forecast?

Momentum Realty publishes the recorded trend, not a prediction: 32640 median sale prices are down 12.7% year over year, inventory stands at 6.4 months of supply, and 27% 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 32640?

The median sale price in 32640 is currently $265,000, down 12.7% from a year ago, based on MLS sales data updated September 15, 2026.

Is 32640 a buyer's or seller's market right now?

The data currently favors buyers. 32640 scores 38 of 100 on the Momentum Score, with 6.4 months of housing supply. Conditions change; this page updates daily.

How long do homes take to sell in 32640?

The typical home in 32640 goes under contract in about 67 days, per current MLS data.

How many homes are for sale in 32640?

There are approximately 5 active listings in 32640 as of September 15, 2026.

Are home prices in 32640 rising or falling?

Median sale prices are down 12.7% year over year based on a rolling comparison of MLS sales.

Put this data to work

Momentum agents use this intelligence every day to price listings and write winning offers across 32640 (Hawthorne). Talk through what the numbers mean for your move.

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Methodology & Accountability

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

Find homes What's my home worth?

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.

Selling in this ZIP? Weigh the numbers first: the Florida sell-now-or-wait scoreboard, why 201,552 Florida listings failed to sell in 12 months, and cash offer vs. listing, both numbers. Compiled from MLS records; deemed reliable but not guaranteed.