Miami-Dade County
Kendall Mortgage Loan Officer
Kendall covers a wide range of price points, which means FHA, conventional, and jumbo financing can all come into play, and I lend throughout Florida, Kendall included. Miami is where I live, and I'm very familiar with both Miami and its surrounding cities. Below is what the latest MIAMI REALTORS reports show for Kendall and two neighboring census-designated places.
Last updated October 10, 2026
Market snapshot: Kendall
The figures here describe Kendall, a census-designated place in MIAMI REALTORS' reports. In Q2 2026, Kendall single-family homes had 83 closed sales, flat from a year earlier, with a median of $1,100,000, up 17.0%. Median time to contract fell 22.0% to 32 days, sellers received 94.2% of list price, and supply stood at 4.2 months.
Kendall condos and townhouses recorded 91 closed sales, down 16.5%, with a median of $372,500, up 9.6%, a median 53 days to contract, and 6.4 months of supply.
Kendale Lakes and Kendall West are reported separately. Kendale Lakes showed a single-family median of $673,500 and a condo median of $325,000, while Kendall West showed $660,000 and $290,000. MIAMI REALTORS notes that these boundaries are as of January 1, 2015.
Matching the loan to the price point
Because a Kendall-area condo and a Kendall single-family home can be hundreds of thousands of dollars apart, there is no single "Kendall loan." Lower-priced condos may fit FHA or conventional financing if the building qualifies. Homes priced near the Kendall single-family median may require a jumbo loan, since Miami-Dade uses the FHFA's 2026 baseline conforming limit of $832,750.
Eligible veterans and service members can review VA loan options, and first-time buyers can explore help on the first-time buyer page.
Local rules for condo buyers
Condo buildings of three or more habitable stories fall under Florida's milestone inspection law. In Miami-Dade, a completed 40-year recertification satisfies that inspection, per MIAMI REALTORS. On resales, HB 913 provides a seven-day window, excluding weekends and legal holidays, to review association documents and cancel.
Questions to ask before you choose a property
If you are weighing a condo against a house, ask how the loan amount compares with the $832,750 limit, whether the building has passed its inspections, and how the association's master insurance is structured. Fannie Mae's LL-2026-03 caps the per-unit deductible on a master policy at $50,000 for applications on or after July 1, 2026, and owners may need their own unit policy to cover the gap.
Market data as of Q2 2026. Statistics are historical, from third-party sources, and not a forecast.
Loan programs for Kendall buyers
Related guides
Kendall mortgage FAQs
Is Kendall a city?
MIAMI REALTORS treats Kendall as a census-designated place, with boundaries as of January 1, 2015. Kendale Lakes and Kendall West are reported as separate places.
Which loan types fit Kendall prices?
It depends on the property. With a Q2 2026 condo median of $372,500 and a single-family median of $1,100,000, FHA, conventional, and jumbo loans can each be relevant, subject to underwriting.
What were prices in Kendale Lakes and Kendall West?
In Q2 2026, Kendale Lakes had a $673,500 single-family median and a $325,000 condo median. Kendall West had $660,000 and $290,000.
What should I ask about a Kendall condo's master insurance?
Ask how the master policy is structured. Fannie Mae caps the per-unit deductible on a master policy at $50,000 for applications on or after July 1, 2026, and owners may need their own unit policy to cover the gap.
Nearby areas
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Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Program availability, terms, and guidelines may change without notice. Information is for educational purposes only.