34239 — Sarasota County, Florida Market Snapshot
Housing market data for zip code 34239 in Sarasota County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
105 sales in 2026 (year to date)
Median Sale Price
$705,000
Days to Sell
54
Homes Sold
105
Inventory
159
Sale-to-List
94.2%
New Listings
131
Price/SqFt
$419
Pending Sales
107
Conforming Loan Available
The median home in 34239 at $705,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
34239's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34239 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 34239 at $705,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 34239 are set at the county level.
2026 Loan Limits — Sarasota County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $547,400 |
| 2 Units | $1,066,250 | $700,750 |
| 3 Units | $1,288,800 | $847,050 |
| 4 Units | $1,601,750 | $1,052,700 |
Affordability Snapshot — Zip 34239
To purchase the median home at $705,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,551.
Monthly Payment
$5,551
Income Required
$237,921
Principal & Interest
$4,344/mo
Down Payment (5%)
$35,250
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 34239.
Estimated Monthly Payment
$4,513
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