34638 — Pasco County, Florida Market Snapshot
Housing market data for zip code 34638 in Pasco County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
278 sales in 2026 (year to date)
Median Sale Price
$409,990
Days to Sell
49
Homes Sold
278
Inventory
279
Sale-to-List
98.9%
New Listings
327
Price/SqFt
$203
Pending Sales
296
Conforming Loan Available
Most homebuyers in 34638 can comfortably use conventional financing. The median home price of $409,990 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
34638's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 34638 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34638 can comfortably use conventional financing. The median home price of $409,990 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 34638 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 34638
To purchase the median home at $409,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,291.
Monthly Payment
$3,291
Income Required
$141,052
Principal & Interest
$2,526/mo
Down Payment (5%)
$20,500
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 34638.
Estimated Monthly Payment
$2,687
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