34481 — Marion County, Florida Market Snapshot
Housing market data for zip code 34481 in Marion County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
326 sales in 2026 (year to date)
Median Sale Price
$276,950
Days to Sell
83
Homes Sold
326
Inventory
509
Sale-to-List
96.4%
New Listings
423
Price/SqFt
$175
Pending Sales
387
Conforming Loan Available
Most homebuyers in 34481 can comfortably use conventional financing. The median home price of $276,950 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 83 days on average, 34481 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 34481 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34481 can comfortably use conventional financing. The median home price of $276,950 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 34481 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 34481
To purchase the median home at $276,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,272.
Monthly Payment
$2,272
Income Required
$97,367
Principal & Interest
$1,706/mo
Down Payment (5%)
$13,848
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 34481.
Estimated Monthly Payment
$1,864
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 34481. Tell us what you're looking for.