33404 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33404 in Palm Beach County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
143 sales in 2026 (year to date)
Median Sale Price
$489,100
Days to Sell
86
Homes Sold
143
Inventory
360
Sale-to-List
93.9%
New Listings
236
Price/SqFt
$349
Pending Sales
171
Conforming Loan Available
Most homebuyers in 33404 can comfortably use conventional financing. The median home price of $489,100 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 86 days on average, 33404 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 33404 sells for 6.1% below asking price (93.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33404 can comfortably use conventional financing. The median home price of $489,100 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 33404 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 33404
To purchase the median home at $489,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,897.
Monthly Payment
$3,897
Income Required
$167,028
Principal & Interest
$3,014/mo
Down Payment (5%)
$24,455
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 33404.
Estimated Monthly Payment
$3,177
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