34235 — Sarasota County, Florida Market Snapshot
Housing market data for zip code 34235 in Sarasota County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$383,500
Days to Sell
31
Homes Sold
74
Inventory
67
Sale-to-List
95.5%
New Listings
83
Price/SqFt
$244
Pending Sales
79
Conforming Loan Available
Most homebuyers in 34235 can comfortably use conventional financing. The median home price of $383,500 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
34235's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34235 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34235 can comfortably use conventional financing. The median home price of $383,500 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 34235 are set at the county level.
2026 Loan Limits — Sarasota County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $547,400 |
| 2 Units | $1,066,250 | $700,750 |
| 3 Units | $1,288,800 | $847,050 |
| 4 Units | $1,601,750 | $1,052,700 |
Affordability Snapshot — Zip 34235
To purchase the median home at $383,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,088.
Monthly Payment
$3,088
Income Required
$132,354
Principal & Interest
$2,363/mo
Down Payment (5%)
$19,175
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 34235.
Estimated Monthly Payment
$2,523
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