34762 — Lake County, Florida Market Snapshot
Housing market data for zip code 34762 in Lake County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$389,900
Days to Sell
50
Homes Sold
47
Inventory
59
Sale-to-List
96.6%
New Listings
57
Price/SqFt
$246
Pending Sales
40
Conforming Loan Available
Most homebuyers in 34762 can comfortably use conventional financing. The median home price of $389,900 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
34762's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34762 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 34762 can comfortably use conventional financing. The median home price of $389,900 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 34762 are set at the county level.
2026 Loan Limits — Lake 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 34762
To purchase the median home at $389,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,137.
Monthly Payment
$3,137
Income Required
$134,455
Principal & Interest
$2,402/mo
Down Payment (5%)
$19,495
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 34762.
Estimated Monthly Payment
$2,563
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