34797 — Lake County, Florida Market Snapshot
Housing market data for zip code 34797 in Lake County, Florida. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Lake County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$338,747
Days to Sell
122
Homes Sold
8
Inventory
22
Conforming Loan Available
Most homebuyers in 34797 can comfortably use conventional financing. The median home price of $338,747 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 122 days on average, 34797 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 34797 can comfortably use conventional financing. The median home price of $338,747 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 34797 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 34797
To purchase the median home at $338,747 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,745.
Monthly Payment
$2,745
Income Required
$117,659
Principal & Interest
$2,087/mo
Down Payment (5%)
$16,937
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 34797.
Estimated Monthly Payment
$2,246
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