33001 — Monroe County, Florida Market Snapshot
Housing market data for zip code 33001 in Monroe County, Florida. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Monroe County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$6,350,000
Days to Sell
137
Homes Sold
1
Inventory
6
Jumbo Loan Likely Needed
The median home in 33001 at $6,350,000 exceeds the 2026 conforming loan limit of $990,150 by $5,359,850. 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 137 days on average, 33001 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 33001 at $6,350,000 exceeds the 2026 conforming loan limit of $990,150 by $5,359,850. 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 33001 are set at the county level.
2026 Loan Limits — Monroe County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $990,150 | $990,150 |
| 2 Units | $1,267,600 | $1,267,600 |
| 3 Units | $1,532,200 | $1,532,200 |
| 4 Units | $1,904,150 | $1,904,150 |
Affordability Snapshot — Zip 33001
To purchase the median home at $6,350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $48,802.
Monthly Payment
$48,802
Income Required
$2,091,501
Principal & Interest
$39,127/mo
Down Payment (5%)
$317,500
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 33001.
Estimated Monthly Payment
$39,449
Jumbo loan required. Loan amount exceeds the $990,150 conforming limit for 33001.
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