33178 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33178 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$613,750
Days to Sell
105
Homes Sold
48
Inventory
91
Sale-to-List
97.2%
New Listings
72
Price/SqFt
$356
Pending Sales
58
Conforming Loan Available
Most homebuyers in 33178 can comfortably use conventional financing. The median home price of $613,750 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 105 days on average, 33178 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 33178 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33178 can comfortably use conventional financing. The median home price of $613,750 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 33178 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 33178
To purchase the median home at $613,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,852.
Monthly Payment
$4,852
Income Required
$207,958
Principal & Interest
$3,782/mo
Down Payment (5%)
$30,688
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 33178.
Estimated Monthly Payment
$3,948
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