33585 — Sumter County, Florida Market Snapshot
Housing market data for zip code 33585 in Sumter County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$274,006
Days to Sell
63
Homes Sold
10
Inventory
15
Sale-to-List
99.5%
New Listings
11
Price/SqFt
$174
Pending Sales
12
Conforming Loan Available
Most homebuyers in 33585 can comfortably use conventional financing. The median home price of $274,006 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 63 days on average, 33585 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 33585 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33585 can comfortably use conventional financing. The median home price of $274,006 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 33585 are set at the county level.
2026 Loan Limits — Sumter 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 33585
To purchase the median home at $274,006 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,249.
Monthly Payment
$2,249
Income Required
$96,401
Principal & Interest
$1,688/mo
Down Payment (5%)
$13,700
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 33585.
Estimated Monthly Payment
$1,846
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