33189 — Miami-Dade County, Florida Market Snapshot
Housing market data for zip code 33189 in Miami-Dade County, Florida. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Miami-Dade County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$403,250
Days to Sell
202
Homes Sold
6
Inventory
10
Conforming Loan Available
Most homebuyers in 33189 can comfortably use conventional financing. The median home price of $403,250 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 202 days on average, 33189 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 33189 can comfortably use conventional financing. The median home price of $403,250 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 33189 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 33189
To purchase the median home at $403,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,240.
Monthly Payment
$3,240
Income Required
$138,839
Principal & Interest
$2,485/mo
Down Payment (5%)
$20,163
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 33189.
Estimated Monthly Payment
$2,646
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