33034 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33034 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$449,749
Days to Sell
104
Homes Sold
18
Inventory
67
Sale-to-List
95.9%
New Listings
48
Price/SqFt
$277
Pending Sales
32
Conforming Loan Available
Most homebuyers in 33034 can comfortably use conventional financing. The median home price of $449,749 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 104 days on average, 33034 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 33034 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33034 can comfortably use conventional financing. The median home price of $449,749 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 33034 are set at the county level.
2026 Loan Limits — Miami-Dade County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $667,000 |
| 2 Units | $1,066,250 | $853,900 |
| 3 Units | $1,288,800 | $1,032,150 |
| 4 Units | $1,601,750 | $1,282,700 |
Affordability Snapshot — Zip 33034
To purchase the median home at $449,749 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,596.
Monthly Payment
$3,596
Income Required
$154,107
Principal & Interest
$2,771/mo
Down Payment (5%)
$22,487
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 33034.
Estimated Monthly Payment
$2,933
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