33458 — Martin County, Florida Market Snapshot
Housing market data for zip code 33458 in Martin County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
140 sales in 2026 (year to date)
Median Sale Price
$1,028,125
Days to Sell
56
Homes Sold
140
Inventory
186
Sale-to-List
95.8%
New Listings
205
Price/SqFt
$456
Pending Sales
182
Jumbo Loan Likely Needed
The median home in 33458 at $1,028,125 exceeds the 2026 conforming loan limit of $832,750 by $195,375. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
33458'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 33458 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33458 at $1,028,125 exceeds the 2026 conforming loan limit of $832,750 by $195,375. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 33458 are set at the county level.
2026 Loan Limits — Martin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 33458
To purchase the median home at $1,028,125 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,027.
Monthly Payment
$8,027
Income Required
$344,021
Principal & Interest
$6,335/mo
Down Payment (5%)
$51,406
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 33458.
Estimated Monthly Payment
$6,513
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