33458 — Martin County, Florida Market Snapshot
Housing market data for zip code 33458 in Martin County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
140 sales in 2026 (year to date)
Median Sale Price
$1,028,125
Days to Sell
56
Homes Sold
140
Inventory
186
Sale-to-List
95.8%
New Listings
205
Price/SqFt
$456
Pending Sales
182
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,028,125 median-priced home in 33458 is $976,719. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $143,969 above the limit. A base loan at or below the limit would require at least 19.1% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 33458 is 56 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 33458 is 95.8%, or 4.2% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,028,125 median-priced home in 33458 is $976,719. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $143,969 above the limit. A base loan at or below the limit would require at least 19.1% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 33458 are set at the county level.
2026 Loan Limits — Martin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 33458
To purchase the median home at $1,028,125 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $8,434.
Monthly Payment
$8,434
Income Required
$361,463
Principal & Interest
$6,335/mo
Property Tax
$1,542/mo
Home Insurance
$150/mo
Estimated PMI
$407/mo
Down Payment (5%)
$51,406
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 33458.
Estimated Monthly Payment
$6,513
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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