34480 — Marion County, Florida Market Snapshot
Housing market data for zip code 34480 in Marion County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
101 sales in 2026 (year to date)
Median Sale Price
$315,000
Days to Sell
69
Homes Sold
101
Inventory
155
Sale-to-List
98.2%
New Listings
148
Price/SqFt
$179
Pending Sales
119
Conforming Loan Available
Most homebuyers in 34480 can comfortably use conventional financing. The median home price of $315,000 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 69 days on average, 34480 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 34480 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34480 can comfortably use conventional financing. The median home price of $315,000 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 34480 are set at the county level.
2026 Loan Limits — Marion 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 34480
To purchase the median home at $315,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,563.
Monthly Payment
$2,563
Income Required
$109,861
Principal & Interest
$1,941/mo
Down Payment (5%)
$15,750
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 34480.
Estimated Monthly Payment
$2,099
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