33130 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33130 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
94 sales in 2026 (year to date)
Median Sale Price
$542,500
Days to Sell
149
Homes Sold
94
Inventory
429
Sale-to-List
95.1%
New Listings
209
Price/SqFt
$554
Pending Sales
120
Conforming Loan Available
Most homebuyers in 33130 can comfortably use conventional financing. The median home price of $542,500 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 149 days on average, 33130 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 33130 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33130 can comfortably use conventional financing. The median home price of $542,500 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 33130 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 33130
To purchase the median home at $542,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,306.
Monthly Payment
$4,306
Income Required
$184,563
Principal & Interest
$3,343/mo
Down Payment (5%)
$27,125
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 33130.
Estimated Monthly Payment
$3,507
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