34201 — Manatee County, Florida Market Snapshot
Housing market data for zip code 34201 in Manatee County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$712,500
Days to Sell
63
Homes Sold
34
Inventory
49
Sale-to-List
96.2%
New Listings
42
Price/SqFt
$298
Pending Sales
41
Conforming Loan Available
The median home in 34201 at $712,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 63 days on average, 34201 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 34201 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 34201 at $712,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 34201 are set at the county level.
2026 Loan Limits — Manatee County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $547,400 |
| 2 Units | $1,066,250 | $700,750 |
| 3 Units | $1,288,800 | $847,050 |
| 4 Units | $1,601,750 | $1,052,700 |
Affordability Snapshot — Zip 34201
To purchase the median home at $712,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,609.
Monthly Payment
$5,609
Income Required
$240,384
Principal & Interest
$4,390/mo
Down Payment (5%)
$35,625
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 34201.
Estimated Monthly Payment
$4,560
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 34201. Tell us what you're looking for.