33576 — Pasco County, Florida Market Snapshot
Housing market data for zip code 33576 in Pasco County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
91 sales in 2026 (year to date)
Median Sale Price
$384,990
Days to Sell
61
Homes Sold
91
Inventory
109
Sale-to-List
98.1%
New Listings
85
Price/SqFt
$191
Pending Sales
77
Conforming Loan Available
Most homebuyers in 33576 can comfortably use conventional financing. The median home price of $384,990 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 61 days on average, 33576 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 33576 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33576 can comfortably use conventional financing. The median home price of $384,990 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 33576 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 33576
To purchase the median home at $384,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,100.
Monthly Payment
$3,100
Income Required
$132,843
Principal & Interest
$2,372/mo
Down Payment (5%)
$19,250
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 33576.
Estimated Monthly Payment
$2,533
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 33576. Tell us what you're looking for.