33043 — Monroe County, Florida Market Snapshot
Housing market data for zip code 33043 in Monroe County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$790,000
Days to Sell
97
Homes Sold
35
Inventory
85
Sale-to-List
96.8%
New Listings
47
Price/SqFt
$609
Pending Sales
37
Conforming Loan Available
Most homebuyers in 33043 can comfortably use conventional financing. The median home price of $790,000 is well below the 2026 conforming loan limit of $990,150, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 97 days on average, 33043 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 33043 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33043 can comfortably use conventional financing. The median home price of $790,000 is well below the 2026 conforming loan limit of $990,150, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 33043 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 33043
To purchase the median home at $790,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,203.
Monthly Payment
$6,203
Income Required
$265,831
Principal & Interest
$4,868/mo
Down Payment (5%)
$39,500
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 33043.
Estimated Monthly Payment
$5,039
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 33043. Tell us what you're looking for.