34655 — Pasco County, Florida Market Snapshot
Housing market data for zip code 34655 in Pasco County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
187 sales in 2026 (year to date)
Median Sale Price
$422,500
Days to Sell
29
Homes Sold
187
Inventory
189
Sale-to-List
97.6%
New Listings
280
Price/SqFt
$215
Pending Sales
227
Conforming Loan Available
Most homebuyers in 34655 can comfortably use conventional financing. The median home price of $422,500 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
Homes in 34655 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 34655 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34655 can comfortably use conventional financing. The median home price of $422,500 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 34655 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 34655
To purchase the median home at $422,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,387.
Monthly Payment
$3,387
Income Required
$145,160
Principal & Interest
$2,603/mo
Down Payment (5%)
$21,125
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 34655.
Estimated Monthly Payment
$2,765
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