33480 — Palm Beach County, Florida Market Snapshot
Housing market data for zip code 33480 in Palm Beach 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
$1,321,250
Days to Sell
118
Homes Sold
146
Inventory
253
Sale-to-List
92.2%
New Listings
143
Price/SqFt
$857
Pending Sales
136
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,321,250 median-priced home in 33480 is $1,255,188. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $422,438 above the limit. A base loan at or below the limit would require at least 37.0% 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 33480 is 118 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 33480 is 92.2%, or 7.8% 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 $1,321,250 median-priced home in 33480 is $1,255,188. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $422,438 above the limit. A base loan at or below the limit would require at least 37.0% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 33480 are set at the county level.
2026 Loan Limits — Palm Beach County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $667,000 |
| 2 Units | $1,066,250 | $853,900 |
| 3 Units | $1,288,800 | $1,032,150 |
| 4 Units | $1,601,750 | $1,282,700 |
Affordability Snapshot — Zip 33480
To purchase the median home at $1,321,250 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $10,796.
Monthly Payment
$10,796
Income Required
$462,685
Principal & Interest
$8,141/mo
Property Tax
$1,982/mo
Home Insurance
$150/mo
Estimated PMI
$523/mo
Down Payment (5%)
$66,063
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 33480.
Estimated Monthly Payment
$8,327
Above the conforming limit. The estimated loan amount exceeds the $832,750 limit for 33480. This comparison does not determine loan eligibility or approval.
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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