34606 — Hernando County, Florida Market Snapshot
Housing market data for zip code 34606 in Hernando County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
190 sales in 2026 (year to date)
Median Sale Price
$271,250
Days to Sell
35
Homes Sold
190
Inventory
154
Sale-to-List
97.2%
New Listings
218
Price/SqFt
$178
Pending Sales
206
Conforming Loan Available
Most homebuyers in 34606 can comfortably use conventional financing. The median home price of $271,250 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
34606's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34606 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34606 can comfortably use conventional financing. The median home price of $271,250 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 34606 are set at the county level.
2026 Loan Limits — Hernando 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 34606
To purchase the median home at $271,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,228.
Monthly Payment
$2,228
Income Required
$95,496
Principal & Interest
$1,671/mo
Down Payment (5%)
$13,563
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 34606.
Estimated Monthly Payment
$1,829
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