33406 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33406 in Palm Beach County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$292,500
Days to Sell
81
Homes Sold
16
Inventory
28
Sale-to-List
98.4%
New Listings
23
Price/SqFt
$233
Pending Sales
25
Conforming Loan Available
Most homebuyers in 33406 can comfortably use conventional financing. The median home price of $292,500 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 81 days on average, 33406 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
Homes are selling very close to asking price in 33406 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33406 can comfortably use conventional financing. The median home price of $292,500 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 33406 are set at the county level.
2026 Loan Limits — Palm Beach 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 33406
To purchase the median home at $292,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,391.
Monthly Payment
$2,391
Income Required
$102,473
Principal & Interest
$1,802/mo
Down Payment (5%)
$14,625
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 33406.
Estimated Monthly Payment
$1,960
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 33406. Tell us what you're looking for.