33445 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33445 in Palm Beach County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
63 sales in 2026 (year to date)
Median Sale Price
$195,500
Days to Sell
109
Homes Sold
63
Inventory
146
Sale-to-List
95.1%
New Listings
106
Price/SqFt
$173
Pending Sales
73
Conforming Loan Available
Most homebuyers in 33445 can comfortably use conventional financing. The median home price of $195,500 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 109 days on average, 33445 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 33445 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33445 can comfortably use conventional financing. The median home price of $195,500 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 33445 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 33445
To purchase the median home at $195,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,648.
Monthly Payment
$1,648
Income Required
$70,623
Principal & Interest
$1,205/mo
Down Payment (5%)
$9,775
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 33445.
Estimated Monthly Payment
$1,360
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