33050 — Monroe County, Florida Market Snapshot
Housing market data for zip code 33050 in Monroe County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
94 sales in 2026 (year to date)
Median Sale Price
$793,000
Days to Sell
129
Homes Sold
94
Inventory
217
Sale-to-List
93.4%
New Listings
113
Price/SqFt
$649
Pending Sales
112
Conforming Loan Available
The median home in 33050 at $793,000 falls within the 2026 conforming loan limit of $990,150, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 129 days on average, 33050 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 33050 sells for 6.6% below asking price (93.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33050 at $793,000 falls within the 2026 conforming loan limit of $990,150, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 33050 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 33050
To purchase the median home at $793,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,226.
Monthly Payment
$6,226
Income Required
$266,816
Principal & Interest
$4,886/mo
Down Payment (5%)
$39,650
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 33050.
Estimated Monthly Payment
$5,058
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