34614 — Hernando County, Florida Market Snapshot
Housing market data for zip code 34614 in Hernando County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
84 sales in 2026 (year to date)
Median Sale Price
$372,000
Days to Sell
76
Homes Sold
84
Inventory
128
Sale-to-List
98.9%
New Listings
109
Price/SqFt
$194
Pending Sales
105
Conforming Loan Available
Most homebuyers in 34614 can comfortably use conventional financing. The median home price of $372,000 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
With homes sitting for 76 days on average, 34614 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
Homes are selling very close to asking price in 34614 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34614 can comfortably use conventional financing. The median home price of $372,000 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 34614 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 34614
To purchase the median home at $372,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,000.
Monthly Payment
$3,000
Income Required
$128,578
Principal & Interest
$2,292/mo
Down Payment (5%)
$18,600
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 34614.
Estimated Monthly Payment
$2,452
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