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Tampa Bay Metro

Tampa Bay Metro Market Report

Top 10 ZIPs by size — 7.32% mortgage rate — Updated 10/27/2026

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Listings Flow Ladder — Tampa

Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026

the basin is fillingnet 1,192 listings/mo
balanced 4–6 mo5.0 mo
Faucet — new listings
5,530/mo
86% of normal (6,456) · trickle
Basin — active listings
21,903
130% of normal (16,818) · balanced
Months of supply
5 mo
derived — not published at this grain
Drain — closed sales
4,338/mo
74% of normal (5,893)
Net — faucet minus drain
+1,192/mo
filling
Reading
current
as of 2026-09-30
Compare against:
2015-01-01 to 2019-12-31 · 5 same-month points

How plugged is the drain? Two definitions, both ours, deliberately not reconciled.

  • 44%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
  • 26%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month

Closed sales over 24 months — two different numbers, deliberately not merged.

  • 680/mofall in the monthly rate (14%)— peak 5,018/mo (2025-05-31) to 4,338/mo now
  • 35,067transactions that did not happen— summed monthly shortfall vs the same-month normal, over 24 months below it (vs 2015-19 (COVID excluded))
  • rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-09-30

Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). Aggregated over a fixed panel of 127 zips — the panel is fixed so a change in who reports cannot look like a change in the market. months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month.

Verified county coverage:Pinellas County, FL

Tracked ZIPs
10
Avg Score
51
Avg Median
$388,672
Market
Buyer's
Avg Composite
51/100
Avg Median Price
$388,672
Avg Rent
$2,035/mo
Avg Burden
34.9%of income

New Listings Trend

Monthly new for-sale listings · Redfin + Realtor.com · Tampa, FL

as of Sep 1, 2026
↑ 0.4% YoY
Long-run avgAug 24Nov 24Feb 25May 25Aug 25Nov 25Feb 26May 26Aug 2606k12k18k24k

Buyer Leverage — Should I Buy in Tampa?

45
Avg Buyer Score
135 ZIPs analyzed
Strong Buyer
3
Moderate
16
Balanced
65
Seller Favored
49
Strong Seller
2
Best for Buyers
34601Brooksville74
Most Competitive
33619Tampa18
33637Temple Terrace22
33573Sun City Center23
33578Riverview24

BALANCED — Tampa roughly fair, negotiate on a per-ZIP basis

34698
Dunedin, pinellas county
53
Median Price
$412,638
YoY
+2.2%
Payment Burden
40.4%
Buy vs Rent
Neutral
Days on Market
71
Supply
5.1 mo
Rent
$2,067
Val. Gap
-7.9%
34683
Palm Harbor, pinellas county
54
Median Price
$461,597
YoY
+1.0%
Payment Burden
33.8%
Buy vs Rent
Neutral
Days on Market
51
Supply
5.5 mo
Rent
$1,946
Val. Gap
-8.8%
33710
Saint Petersburg, pinellas county
61
Median Price
$377,692
YoY
+1.2%
Payment Burden
32.4%
Buy vs Rent
Neutral
Days on Market
49
Supply
4.2 mo
Rent
$1,924
Val. Gap
-14.8%
33707
Gulfport, pinellas county
47
Median Price
$360,497
YoY
-1.2%
Payment Burden
34.7%
Buy vs Rent
Buy
Days on Market
75
Supply
6.2 mo
Rent
$2,267
Val. Gap
-11%
34684
Palm Harbor, pinellas county
54
Median Price
$320,251
YoY
-0.8%
Payment Burden
31.3%
Buy vs Rent
Buy
Days on Market
54
Supply
4.8 mo
Rent
$1,869
Val. Gap
-8.8%
33713
Saint Petersburg, pinellas county
54
Median Price
$356,997
YoY
+1.2%
Payment Burden
33.8%
Buy vs Rent
Buy
Days on Market
50
Supply
4 mo
Rent
$2,101
Val. Gap
-14.4%
33706
Saint Pete Beach, pinellas county
40
Median Price
$571,480
YoY
-1.5%
Payment Burden
38.7%
Buy vs Rent
Neutral
Days on Market
124
Supply
6.7 mo
Rent
$2,606
Val. Gap
-11.4%
34689
Tarpon Springs, pinellas county
40
Median Price
$363,690
YoY
-0.4%
Payment Burden
36.1%
Buy vs Rent
Neutral
Days on Market
64
Supply
5.1 mo
Rent
$1,973
Val. Gap
-10.9%
33756
Clearwater, pinellas county
47
Median Price
$356,473
YoY
+1.6%
Payment Burden
36.7%
Buy vs Rent
Neutral
Days on Market
55
Supply
8 mo
Rent
$1,832
Val. Gap
-13%
33702
Saint Petersburg, pinellas county
61
Median Price
$305,407
YoY
+0.5%
Payment Burden
30.7%
Buy vs Rent
Buy
Days on Market
77
Supply
5.4 mo
Rent
$1,769
Val. Gap
-13.2%

Median price and 12-month change: Zillow Home Value Index (ZHVI); where a ZIP has no ZHVI value, the county assessor average. Days on market: Redfin Data Center, rolling 90 days; months of supply: Redfin Data Center. Rent: Zillow Observed Rent Index (ZORI); where a ZIP has no ZORI value, the Census ACS county rent.

Every ZIP market page in Tampa Bay Metro (129)