34957 — Martin County, Florida Market Snapshot
Housing market data for zip code 34957 in Martin County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$409,990
Days to Sell
55
Homes Sold
23
Inventory
21
Sale-to-List
96.2%
New Listings
24
Price/SqFt
$225
Pending Sales
27
Conforming Loan Available
Most homebuyers in 34957 can comfortably use conventional financing. The median home price of $409,990 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
34957's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34957 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34957 can comfortably use conventional financing. The median home price of $409,990 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 34957 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 34957
To purchase the median home at $409,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,291.
Monthly Payment
$3,291
Income Required
$141,052
Principal & Interest
$2,526/mo
Down Payment (5%)
$20,500
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 34957.
Estimated Monthly Payment
$2,687
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