33597 — Sumter County, Florida Market Snapshot
Housing market data for zip code 33597 in Sumter County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$269,000
Days to Sell
38
Homes Sold
11
Inventory
23
Sale-to-List
96.6%
New Listings
24
Price/SqFt
$240
Pending Sales
14
Conforming Loan Available
Most homebuyers in 33597 can comfortably use conventional financing. The median home price of $269,000 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
33597's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33597 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33597 can comfortably use conventional financing. The median home price of $269,000 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 33597 are set at the county level.
2026 Loan Limits — Sumter 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 33597
To purchase the median home at $269,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,211.
Monthly Payment
$2,211
Income Required
$94,757
Principal & Interest
$1,657/mo
Down Payment (5%)
$13,450
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 33597.
Estimated Monthly Payment
$1,815
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