33556 — Pasco County, Florida Market Snapshot
Housing market data for zip code 33556 in Pasco County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
146 sales in 2026 (year to date)
Median Sale Price
$683,750
Days to Sell
39
Homes Sold
146
Inventory
184
Sale-to-List
96.8%
New Listings
255
Price/SqFt
$271
Pending Sales
188
Conforming Loan Available
The median home in 33556 at $683,750 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
33556's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33556 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33556 at $683,750 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 33556 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 33556
To purchase the median home at $683,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,389.
Monthly Payment
$5,389
Income Required
$230,943
Principal & Interest
$4,213/mo
Down Payment (5%)
$34,188
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 33556.
Estimated Monthly Payment
$4,382
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