33158 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33158 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$1,445,000
Days to Sell
115
Homes Sold
25
Inventory
39
Sale-to-List
93.3%
New Listings
28
Price/SqFt
$580
Pending Sales
24
Jumbo Loan Likely Needed
The median home in 33158 at $1,445,000 exceeds the 2026 conforming loan limit of $832,750 by $612,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 115 days on average, 33158 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 33158 sells for 6.7% below asking price (93.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33158 at $1,445,000 exceeds the 2026 conforming loan limit of $832,750 by $612,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 33158 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 33158
To purchase the median home at $1,445,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,221.
Monthly Payment
$11,221
Income Required
$480,906
Principal & Interest
$8,904/mo
Down Payment (5%)
$72,250
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 33158.
Estimated Monthly Payment
$9,093
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 33158.
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