33032 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33032 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
85 sales in 2026 (year to date)
Median Sale Price
$555,000
Days to Sell
77
Homes Sold
85
Inventory
152
Sale-to-List
98.4%
New Listings
121
Price/SqFt
$311
Pending Sales
100
Conforming Loan Available
Most homebuyers in 33032 can comfortably use conventional financing. The median home price of $555,000 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 77 days on average, 33032 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 33032 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33032 can comfortably use conventional financing. The median home price of $555,000 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 33032 are set at the county level.
2026 Loan Limits — Miami-Dade County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $667,000 |
| 2 Units | $1,066,250 | $853,900 |
| 3 Units | $1,288,800 | $1,032,150 |
| 4 Units | $1,601,750 | $1,282,700 |
Affordability Snapshot — Zip 33032
To purchase the median home at $555,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,402.
Monthly Payment
$4,402
Income Required
$188,667
Principal & Interest
$3,420/mo
Down Payment (5%)
$27,750
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 33032.
Estimated Monthly Payment
$3,585
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