34211 — Manatee County, Florida Market Snapshot
Housing market data for zip code 34211 in Manatee County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$313,990
Days to Sell
86
Homes Sold
49
Inventory
61
Sale-to-List
97.5%
New Listings
55
Price/SqFt
$208
Pending Sales
44
Conforming Loan Available
Most homebuyers in 34211 can comfortably use conventional financing. The median home price of $313,990 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
With homes sitting for 86 days on average, 34211 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 34211 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34211 can comfortably use conventional financing. The median home price of $313,990 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 34211 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 34211
To purchase the median home at $313,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,556.
Monthly Payment
$2,556
Income Required
$109,530
Principal & Interest
$1,935/mo
Down Payment (5%)
$15,700
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 34211.
Estimated Monthly Payment
$2,093
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