34773 — Osceola County, Florida Market Snapshot
Housing market data for zip code 34773 in Osceola County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$408,900
Days to Sell
68
Homes Sold
79
Inventory
110
Sale-to-List
99.7%
New Listings
106
Price/SqFt
$201
Pending Sales
88
Conforming Loan Available
Most homebuyers in 34773 can comfortably use conventional financing. The median home price of $408,900 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 68 days on average, 34773 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 34773 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34773 can comfortably use conventional financing. The median home price of $408,900 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 34773 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 34773
To purchase the median home at $408,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,283.
Monthly Payment
$3,283
Income Required
$140,694
Principal & Interest
$2,520/mo
Down Payment (5%)
$20,445
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 34773.
Estimated Monthly Payment
$2,681
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