34491 — Marion County, Florida Market Snapshot
Housing market data for zip code 34491 in Marion County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
216 sales in 2026 (year to date)
Median Sale Price
$274,495
Days to Sell
83
Homes Sold
216
Inventory
301
Sale-to-List
97.0%
New Listings
251
Price/SqFt
$177
Pending Sales
250
Conforming Loan Available
Most homebuyers in 34491 can comfortably use conventional financing. The median home price of $274,495 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, 34491 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 34491 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34491 can comfortably use conventional financing. The median home price of $274,495 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 34491 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 34491
To purchase the median home at $274,495 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,253.
Monthly Payment
$2,253
Income Required
$96,561
Principal & Interest
$1,691/mo
Down Payment (5%)
$13,725
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 34491.
Estimated Monthly Payment
$1,849
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 34491. Tell us what you're looking for.