33496 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33496 in Palm Beach County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
218 sales in 2026 (year to date)
Median Sale Price
$1,077,500
Days to Sell
67
Homes Sold
218
Inventory
219
Sale-to-List
95.1%
New Listings
250
Price/SqFt
$440
Pending Sales
247
Jumbo Loan Likely Needed
The median home in 33496 at $1,077,500 exceeds the 2026 conforming loan limit of $832,750 by $244,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 67 days on average, 33496 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 33496 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33496 at $1,077,500 exceeds the 2026 conforming loan limit of $832,750 by $244,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 33496 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 33496
To purchase the median home at $1,077,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,405.
Monthly Payment
$8,405
Income Required
$360,234
Principal & Interest
$6,639/mo
Down Payment (5%)
$53,875
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 33496.
Estimated Monthly Payment
$6,818
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 33496.
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