33070 — Monroe County, Florida Market Snapshot
Housing market data for zip code 33070 in Monroe County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$1,200,000
Days to Sell
163
Homes Sold
48
Inventory
108
Sale-to-List
92.6%
New Listings
67
Price/SqFt
$788
Pending Sales
47
Jumbo Loan Likely Needed
The median home in 33070 at $1,200,000 exceeds the 2026 conforming loan limit of $990,150 by $209,850. 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 163 days on average, 33070 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 33070 sells for 7.4% below asking price (92.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33070 at $1,200,000 exceeds the 2026 conforming loan limit of $990,150 by $209,850. 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 33070 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 33070
To purchase the median home at $1,200,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,344.
Monthly Payment
$9,344
Income Required
$400,458
Principal & Interest
$7,394/mo
Down Payment (5%)
$60,000
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 33070.
Estimated Monthly Payment
$7,577
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 33070. Tell us what you're looking for.