33523 — Pasco County, Florida Market Snapshot
Housing market data for zip code 33523 in Pasco County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$304,970
Days to Sell
76
Homes Sold
50
Inventory
57
Sale-to-List
97.7%
New Listings
57
Price/SqFt
$191
Pending Sales
65
Conforming Loan Available
Most homebuyers in 33523 can comfortably use conventional financing. The median home price of $304,970 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 76 days on average, 33523 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 33523 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33523 can comfortably use conventional financing. The median home price of $304,970 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 33523 are set at the county level.
2026 Loan Limits — Pasco 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 33523
To purchase the median home at $304,970 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,487.
Monthly Payment
$2,487
Income Required
$106,568
Principal & Interest
$1,879/mo
Down Payment (5%)
$15,249
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 33523.
Estimated Monthly Payment
$2,037
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