34741 — Osceola County, Florida Market Snapshot
Housing market data for zip code 34741 in Osceola County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
86 sales in 2026 (year to date)
Median Sale Price
$306,500
Days to Sell
54
Homes Sold
86
Inventory
214
Sale-to-List
97.4%
New Listings
181
Price/SqFt
$199
Pending Sales
122
Conforming Loan Available
Most homebuyers in 34741 can comfortably use conventional financing. The median home price of $306,500 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
34741's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34741 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34741 can comfortably use conventional financing. The median home price of $306,500 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 34741 are set at the county level.
2026 Loan Limits — Osceola 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 34741
To purchase the median home at $306,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,498.
Monthly Payment
$2,498
Income Required
$107,070
Principal & Interest
$1,889/mo
Down Payment (5%)
$15,325
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 34741.
Estimated Monthly Payment
$2,047
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