34786 — Orange County, Florida Market Snapshot
Housing market data for zip code 34786 in Orange County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
152 sales in 2026 (year to date)
Median Sale Price
$872,500
Days to Sell
35
Homes Sold
152
Inventory
188
Sale-to-List
96.5%
New Listings
230
Price/SqFt
$303
Pending Sales
186
Jumbo Loan Likely Needed
The median home in 34786 at $872,500 exceeds the 2026 conforming loan limit of $832,750 by $39,750. 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
34786's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34786 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 34786 at $872,500 exceeds the 2026 conforming loan limit of $832,750 by $39,750. 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 34786 are set at the county level.
2026 Loan Limits — Orange County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 34786
To purchase the median home at $872,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,835.
Monthly Payment
$6,835
Income Required
$292,921
Principal & Interest
$5,376/mo
Down Payment (5%)
$43,625
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 34786.
Estimated Monthly Payment
$5,550
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 34786. Tell us what you're looking for.