34747 — Osceola County, Florida Market Snapshot
Housing market data for zip code 34747 in Osceola County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
252 sales in 2026 (year to date)
Median Sale Price
$605,500
Days to Sell
85
Homes Sold
252
Inventory
417
Sale-to-List
96.3%
New Listings
292
Price/SqFt
$228
Pending Sales
267
Conforming Loan Available
Most homebuyers in 34747 can comfortably use conventional financing. The median home price of $605,500 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
With homes sitting for 85 days on average, 34747 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 34747 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34747 can comfortably use conventional financing. The median home price of $605,500 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 34747 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 34747
To purchase the median home at $605,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,789.
Monthly Payment
$4,789
Income Required
$205,249
Principal & Interest
$3,731/mo
Down Payment (5%)
$30,275
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 34747.
Estimated Monthly Payment
$3,897
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