34746 — Osceola County, Florida Market Snapshot
Housing market data for zip code 34746 in Osceola County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$218,750
Days to Sell
127
Homes Sold
24
Inventory
106
Sale-to-List
95.2%
New Listings
71
Price/SqFt
$231
Pending Sales
33
Conforming Loan Available
Most homebuyers in 34746 can comfortably use conventional financing. The median home price of $218,750 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 127 days on average, 34746 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 34746 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34746 can comfortably use conventional financing. The median home price of $218,750 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 34746 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 34746
To purchase the median home at $218,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,826.
Monthly Payment
$1,826
Income Required
$78,257
Principal & Interest
$1,348/mo
Down Payment (5%)
$10,938
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 34746.
Estimated Monthly Payment
$1,504
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