33156 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33156 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
77 sales in 2026 (year to date)
Median Sale Price
$2,300,000
Days to Sell
73
Homes Sold
77
Inventory
179
Sale-to-List
93.7%
New Listings
113
Price/SqFt
$729
Pending Sales
85
Jumbo Loan Likely Needed
The median home in 33156 at $2,300,000 exceeds the 2026 conforming loan limit of $832,750 by $1,467,250. 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
With homes sitting for 73 days on average, 33156 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 33156 sells for 6.3% below asking price (93.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33156 at $2,300,000 exceeds the 2026 conforming loan limit of $832,750 by $1,467,250. 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 33156 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 33156
To purchase the median home at $2,300,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $17,772.
Monthly Payment
$17,772
Income Required
$761,652
Principal & Interest
$14,172/mo
Down Payment (5%)
$115,000
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 33156.
Estimated Monthly Payment
$14,384
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 33156.
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