34691 — Pasco County, Florida Market Snapshot
Housing market data for zip code 34691 in Pasco County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
124 sales in 2026 (year to date)
Median Sale Price
$245,000
Days to Sell
44
Homes Sold
124
Inventory
127
Sale-to-List
96.8%
New Listings
160
Price/SqFt
$192
Pending Sales
153
Conforming Loan Available
Most homebuyers in 34691 can comfortably use conventional financing. The median home price of $245,000 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
34691's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34691 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34691 can comfortably use conventional financing. The median home price of $245,000 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 34691 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 34691
To purchase the median home at $245,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,027.
Monthly Payment
$2,027
Income Required
$86,876
Principal & Interest
$1,510/mo
Down Payment (5%)
$12,250
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 34691.
Estimated Monthly Payment
$1,666
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 34691. Tell us what you're looking for.