34482 — Marion County, Florida Market Snapshot
Housing market data for zip code 34482 in Marion County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
106 sales in 2026 (year to date)
Median Sale Price
$272,500
Days to Sell
70
Homes Sold
106
Inventory
213
Sale-to-List
96.6%
New Listings
164
Price/SqFt
$167
Pending Sales
127
Conforming Loan Available
Most homebuyers in 34482 can comfortably use conventional financing. The median home price of $272,500 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 70 days on average, 34482 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 34482 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 34482 can comfortably use conventional financing. The median home price of $272,500 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 34482 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 34482
To purchase the median home at $272,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,238.
Monthly Payment
$2,238
Income Required
$95,906
Principal & Interest
$1,679/mo
Down Payment (5%)
$13,625
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 34482.
Estimated Monthly Payment
$1,836
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