34613 — Hernando County, Florida Market Snapshot
Housing market data for zip code 34613 in Hernando 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
$318,995
Days to Sell
81
Homes Sold
130
Inventory
167
Sale-to-List
98.0%
New Listings
170
Price/SqFt
$170
Pending Sales
149
Conforming Loan Available
Most homebuyers in 34613 can comfortably use conventional financing. The median home price of $318,995 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 81 days on average, 34613 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 34613 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34613 can comfortably use conventional financing. The median home price of $318,995 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 34613 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 34613
To purchase the median home at $318,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,594.
Monthly Payment
$2,594
Income Required
$111,173
Principal & Interest
$1,966/mo
Down Payment (5%)
$15,950
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 34613.
Estimated Monthly Payment
$2,124
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