33146 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33146 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$1,750,000
Days to Sell
52
Homes Sold
52
Inventory
61
Sale-to-List
96.2%
New Listings
53
Price/SqFt
$849
Pending Sales
46
Jumbo Loan Likely Needed
The median home in 33146 at $1,750,000 exceeds the 2026 conforming loan limit of $832,750 by $917,250. 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
33146's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33146 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33146 at $1,750,000 exceeds the 2026 conforming loan limit of $832,750 by $917,250. 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 33146 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 33146
To purchase the median home at $1,750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,558.
Monthly Payment
$13,558
Income Required
$581,055
Principal & Interest
$10,783/mo
Down Payment (5%)
$87,500
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 33146.
Estimated Monthly Payment
$10,980
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 33146.
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