33056 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33056 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$470,000
Days to Sell
77
Homes Sold
76
Inventory
63
Sale-to-List
94.5%
New Listings
74
Price/SqFt
$339
Pending Sales
86
Conforming Loan Available
Most homebuyers in 33056 can comfortably use conventional financing. The median home price of $470,000 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, 33056 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 33056 sells for 5.5% below asking price (94.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33056 can comfortably use conventional financing. The median home price of $470,000 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 33056 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 33056
To purchase the median home at $470,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,751.
Monthly Payment
$3,751
Income Required
$160,757
Principal & Interest
$2,896/mo
Down Payment (5%)
$23,500
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 33056.
Estimated Monthly Payment
$3,059
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