34608 — Hernando County, Florida Market Snapshot
Housing market data for zip code 34608 in Hernando County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
184 sales in 2026 (year to date)
Median Sale Price
$295,000
Days to Sell
39
Homes Sold
184
Inventory
160
Sale-to-List
98.6%
New Listings
211
Price/SqFt
$191
Pending Sales
214
Conforming Loan Available
Most homebuyers in 34608 can comfortably use conventional financing. The median home price of $295,000 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
34608's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 34608 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34608 can comfortably use conventional financing. The median home price of $295,000 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 34608 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 34608
To purchase the median home at $295,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,410.
Monthly Payment
$2,410
Income Required
$103,294
Principal & Interest
$1,818/mo
Down Payment (5%)
$14,750
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 34608.
Estimated Monthly Payment
$1,976
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