33186 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33186 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$267,499
Days to Sell
89
Homes Sold
28
Inventory
44
Sale-to-List
95.4%
New Listings
34
Price/SqFt
$279
Pending Sales
38
Conforming Loan Available
Most homebuyers in 33186 can comfortably use conventional financing. The median home price of $267,499 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 89 days on average, 33186 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 33186 sells for 4.6% below asking price (95.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33186 can comfortably use conventional financing. The median home price of $267,499 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 33186 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 33186
To purchase the median home at $267,499 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,199.
Monthly Payment
$2,199
Income Required
$94,264
Principal & Interest
$1,648/mo
Down Payment (5%)
$13,375
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 33186.
Estimated Monthly Payment
$1,805
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