33545 — Pasco County, Florida Market Snapshot
Housing market data for zip code 33545 in Pasco County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
180 sales in 2026 (year to date)
Median Sale Price
$461,490
Days to Sell
74
Homes Sold
180
Inventory
245
Sale-to-List
98.3%
New Listings
255
Price/SqFt
$192
Pending Sales
179
Conforming Loan Available
Most homebuyers in 33545 can comfortably use conventional financing. The median home price of $461,490 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 74 days on average, 33545 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 33545 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33545 can comfortably use conventional financing. The median home price of $461,490 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 33545 are set at the county level.
2026 Loan Limits — Pasco 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 33545
To purchase the median home at $461,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,686.
Monthly Payment
$3,686
Income Required
$157,962
Principal & Interest
$2,844/mo
Down Payment (5%)
$23,075
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 33545.
Estimated Monthly Payment
$3,006
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