34956 — Martin County, Florida Market Snapshot
Housing market data for zip code 34956 in Martin County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$399,068
Days to Sell
127
Homes Sold
21
Inventory
19
Sale-to-List
99.0%
New Listings
14
Price/SqFt
$207
Pending Sales
26
Conforming Loan Available
Most homebuyers in 34956 can comfortably use conventional financing. The median home price of $399,068 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 127 days on average, 34956 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 34956 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34956 can comfortably use conventional financing. The median home price of $399,068 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 34956 are set at the county level.
2026 Loan Limits — Martin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 34956
To purchase the median home at $399,068 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,208.
Monthly Payment
$3,208
Income Required
$137,466
Principal & Interest
$2,459/mo
Down Payment (5%)
$19,953
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 34956.
Estimated Monthly Payment
$2,620
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