34771 — Osceola County, Florida Market Snapshot
Housing market data for zip code 34771 in Osceola County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
364 sales in 2026 (year to date)
Median Sale Price
$446,652
Days to Sell
89
Homes Sold
364
Inventory
465
Sale-to-List
98.6%
New Listings
471
Price/SqFt
$211
Pending Sales
430
Conforming Loan Available
Most homebuyers in 34771 can comfortably use conventional financing. The median home price of $446,652 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, 34771 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
Homes are selling very close to asking price in 34771 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34771 can comfortably use conventional financing. The median home price of $446,652 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 34771 are set at the county level.
2026 Loan Limits — Osceola County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 34771
To purchase the median home at $446,652 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,572.
Monthly Payment
$3,572
Income Required
$153,090
Principal & Interest
$2,752/mo
Down Payment (5%)
$22,333
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 34771.
Estimated Monthly Payment
$2,914
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