33909 — Lee County, Florida Market Snapshot
Housing market data for zip code 33909 in Lee County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$245,990
Days to Sell
56
Homes Sold
19
Inventory
20
Sale-to-List
96.0%
New Listings
23
Price/SqFt
$135
Pending Sales
20
Conforming Loan Available
Most homebuyers in 33909 can comfortably use conventional financing. The median home price of $245,990 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
33909's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33909 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33909 can comfortably use conventional financing. The median home price of $245,990 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 33909 are set at the county level.
2026 Loan Limits — Lee 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 33909
To purchase the median home at $245,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,035.
Monthly Payment
$2,035
Income Required
$87,201
Principal & Interest
$1,516/mo
Down Payment (5%)
$12,300
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 33909.
Estimated Monthly Payment
$1,672
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