34476 — Marion County, Florida Market Snapshot
Housing market data for zip code 34476 in Marion County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$225,990
Days to Sell
50
Homes Sold
13
Inventory
25
Sale-to-List
98.0%
New Listings
35
Price/SqFt
$148
Pending Sales
18
Conforming Loan Available
Most homebuyers in 34476 can comfortably use conventional financing. The median home price of $225,990 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
34476's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34476 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34476 can comfortably use conventional financing. The median home price of $225,990 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 34476 are set at the county level.
2026 Loan Limits — Marion 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 34476
To purchase the median home at $225,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,881.
Monthly Payment
$1,881
Income Required
$80,634
Principal & Interest
$1,392/mo
Down Payment (5%)
$11,300
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 34476.
Estimated Monthly Payment
$1,549
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