33070

Name: 33070 undefined, FL housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Key West, FL · Monroe County, FL · 2,342 properties with county records

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Monroe 33070 is in Monroe County, FL, part of the Miami–Fort Lauderdale Metro. The typical home value in Monroe 33070 is $917,023 (Zillow Home Value Index, August 2026), up 5.0% from a year earlier. Homes that sold went under contract in a median 143 days, and 20% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 6.9 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 33070 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Monroe County's 9 ZIPs with a Zillow value, the middle one is $917,023, so 33070 sits right at the county middle. Typical rent is $3,083 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 2,342 properties in 33070.

Headline value data through August 2026. Each source below carries its own date.

Is 33070 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 33070 is a balanced market. Homes went under contract in a median 143 days with 6.9 months of supply.

What do homes in 33070 sell for?

The typical home value in 33070 is $917,023 (Zillow Home Value Index, August 2026), up 5.0% in a year. County records put the median at about $684 per square foot (computed Apr 21, 2026).

Who is likely to sell in 33070?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 33070 has not passed that test yet. When it does, the score appears here.

How does 33070 compare to Monroe County?

33070's typical value of $917,023 compares with a middle value of $917,023 across Monroe County's 9 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 33070 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of Aug 31, 2026) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 33070 Monroe, FL, data through August 2026, https://lotvox.com/miami/zip/33070

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

0affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

78.9%

severe

Days on market

143

daily

Price cuts

19.8%

of active

Valuation

+41.8%

vs assessor

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Rent vs own — the renter's question first

$3,083

median rent · per month

$5,996

total cost to own · per month

+$2,913

more to own · per month

Rent to price — the investor's question first

24.8×

price to annual rent

Lower is friendlier to a buy-to-let case. This is a ratio of published medians, not a yield on any particular property.

/100

Mixed

warming · balanced · prices rising year-over-year.

Price trend

Affordability

Valuation

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / seller

buyer-timing lens

Strong Buyer's Market

Needs 62% correction for affordability

DOM: 52d (falling) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)100

Valuation Gap (25%)80

Supply & Demand (20%)100

Buy vs Rent (15%)75

Cancellation Rate (10%)100

Days on Market (5%)60

Strong buyer leverage in 33070. If you must buy now, offer 10-15% below list price. Payment burden: 73.1% of median income. A 52% price correction needed to reach 30% affordability threshold. Median days on market: 52. Renting is approximately 78% cheaper than buying (price-to-rent ratio: 21.3). Market appears 18% overpriced vs. assessed values.

What to Offer

Offer 10-15% below list price. Sellers are under pressure.

Conditions most similar to late 2007 — overvaluation without corresponding income growth. Significant correction potential.

WARMINGBALANCED

Market is warming with rising prices. Conditions are balanced between buyers and sellers. Prices up 5.0% YoY.

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<iframe src="https://lotvox.com/embed/zip/33070" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title=" 33070 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/miami/zip/33070?utm_source=embed&utm_medium=backlink"> 33070 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$917,023

▴ 5.0% YoY

Days on market

143

daily · zip_data

Median rent

$3,083

ZORI

Investor score

50/100

cash-flow lens

Active listings

90-day

Valuation

3 lenses, different anchors

vs assessor

+41.8%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$1,300,050

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+26.2%

County-wide market — the widest, slowest signal.

Monroe+26.2%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$684

Price-to-income11.9×

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How 33070 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity8%

Supply tightness62%

Affordability0%

Investment yield18%

Appreciation96%

Affordability, supply & momentum

12SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply71.3 mo

Days on Market143d

Inv vs History-9.3%

Listing Density39.7/1k

Affordability — payment burden

Monthly payment (P&I)$5,079

Payment burden78.9%

Median income · ZIP$77,228

Mortgage rate7.4% · 30yr

Total monthly own$5,996

Monthly rent$3,083

Market dynamics

Price cut %19.8%

Momentumwarming

LeverageBALANCED

Months of supply6.9

Sales (90d)42

Investment analysis

Median rent$3,083

Price-to-rent24.8

Est. cap rate3.1%

Buy vs rentfavors renting

Livability

Walk score2

Transit score—

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Monroe.

Current tiers · 12 months to Aug 25floor 10 sales/tier

6 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$170k	$349	92	—	COUNTY · Monroe, FL
$250k–$500k	$374k	$459	232	—	COUNTY · Monroe, FL
$500k–$750k	$631k	$606	16	38.1%	ZIP
$750k–$1M	$850k	$690	324	—	COUNTY · Monroe, FL
$1M–$1.5M	$1.21M	$850	284	—	COUNTY · Monroe, FL
$1.5M–$2M	$1.69M	$1034	201	—	COUNTY · Monroe, FL
$2M+	$3.05M	$1398	329	—	COUNTY · Monroe, FL
All sales (the headline median)	$650k	$606	42	100%	ZIP

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 33070.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Monroe County context

macro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

ZIP 33070→Monroe County, FL

12-Month Direction

-9Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

31· Distressed

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

78.9%

severe

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

24.8x

favors renting

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation0

+26.2%

overvalued

Source: Lotvox comps · Updated 2026-05-15