33407 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33407 in Palm Beach County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$469,750
Days to Sell
62
Homes Sold
60
Inventory
70
Sale-to-List
96.1%
New Listings
75
Price/SqFt
$310
Pending Sales
77
Conforming Loan Available
Most homebuyers in 33407 can comfortably use conventional financing. The median home price of $469,750 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 62 days on average, 33407 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 33407 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33407 can comfortably use conventional financing. The median home price of $469,750 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 33407 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 33407
To purchase the median home at $469,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,749.
Monthly Payment
$3,749
Income Required
$160,675
Principal & Interest
$2,894/mo
Down Payment (5%)
$23,488
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 33407.
Estimated Monthly Payment
$3,057
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