34222 — Manatee County, Florida Market Snapshot
Housing market data for zip code 34222 in Manatee County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$363,600
Days to Sell
38
Homes Sold
29
Inventory
45
Sale-to-List
95.5%
New Listings
47
Price/SqFt
$196
Pending Sales
43
Conforming Loan Available
Most homebuyers in 34222 can comfortably use conventional financing. The median home price of $363,600 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
34222's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34222 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34222 can comfortably use conventional financing. The median home price of $363,600 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 34222 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 34222
To purchase the median home at $363,600 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,936.
Monthly Payment
$2,936
Income Required
$125,820
Principal & Interest
$2,240/mo
Down Payment (5%)
$18,180
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 34222.
Estimated Monthly Payment
$2,400
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