Tampa Bay Florida

Sarasota County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Sarasota, North Port, Venice and across Sarasota County.

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Sarasota County snapshot

Median home price

$495,000

Population

470,000

FHA loan limit (1-unit)

$524,225

County seat

Sarasota

Sarasota County sits in Tampa Bay Florida, anchored by Sarasota and including North Port and Venice. The median home price here runs around $495,000, and most buyers qualify for FHA, Conventional 97%, or Florida's Hometown Heroes assistance program.

Today's example payments

Monthly payment on a $495,000 Sarasota County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$3,898

Rate (mid): 6.520%
Down payment: $24,750 (5.0%)
Loan amount: $470,250

5% down · PMI applies

FHA

Monthly payment

$3,828

Rate (mid): 6.145%
Down payment: $17,325 (3.5%)
Loan amount: $477,675

3.5% down · MIP included

VA

Monthly payment

$3,894

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $495,000

0% down · no PMI

Hometown Heroes

Monthly payment

$3,974

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $495,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.