34288 — Sarasota County, Florida Market Snapshot
Housing market data for zip code 34288 in Sarasota County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
130 sales in 2026 (year to date)
Median Sale Price
$329,500
Days to Sell
77
Homes Sold
130
Inventory
190
Sale-to-List
97.9%
New Listings
184
Price/SqFt
$193
Pending Sales
172
Conforming Loan Available
Most homebuyers in 34288 can comfortably use conventional financing. The median home price of $329,500 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
With homes sitting for 77 days on average, 34288 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 34288 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34288 can comfortably use conventional financing. The median home price of $329,500 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 34288 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 34288
To purchase the median home at $329,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,675.
Monthly Payment
$2,675
Income Required
$114,622
Principal & Interest
$2,030/mo
Down Payment (5%)
$16,475
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 34288.
Estimated Monthly Payment
$2,189
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