33401 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33401 in Palm Beach County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$1,062,500
Days to Sell
60
Homes Sold
14
Inventory
7
Sale-to-List
96.5%
New Listings
8
Price/SqFt
$550
Pending Sales
15
Jumbo Loan Likely Needed
The median home in 33401 at $1,062,500 exceeds the 2026 conforming loan limit of $832,750 by $229,750. 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 60 days on average, 33401 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 33401 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33401 at $1,062,500 exceeds the 2026 conforming loan limit of $832,750 by $229,750. 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 33401 are set at the county level.
2026 Loan Limits — Palm Beach County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $667,000 |
| 2 Units | $1,066,250 | $853,900 |
| 3 Units | $1,288,800 | $1,032,150 |
| 4 Units | $1,601,750 | $1,282,700 |
Affordability Snapshot — Zip 33401
To purchase the median home at $1,062,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,291.
Monthly Payment
$8,291
Income Required
$355,309
Principal & Interest
$6,547/mo
Down Payment (5%)
$53,125
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 33401.
Estimated Monthly Payment
$6,726
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 33401.
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