33428 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33428 in Palm Beach County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
123 sales in 2026 (year to date)
Median Sale Price
$540,000
Days to Sell
69
Homes Sold
123
Inventory
231
Sale-to-List
95.1%
New Listings
184
Price/SqFt
$297
Pending Sales
167
Conforming Loan Available
Most homebuyers in 33428 can comfortably use conventional financing. The median home price of $540,000 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 69 days on average, 33428 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 33428 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33428 can comfortably use conventional financing. The median home price of $540,000 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 33428 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 33428
To purchase the median home at $540,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,287.
Monthly Payment
$4,287
Income Required
$183,742
Principal & Interest
$3,327/mo
Down Payment (5%)
$27,000
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 33428.
Estimated Monthly Payment
$3,492
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