Boca Raton 33431

Palm Beach County, FL · 9,147 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

37affordability /100

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

Payment burden

38.5%

severe

Days on market

daily

Price cuts

21.2%

of active

Valuation

-21.1%

vs assessor

Look up an address

/100

Mixed

stable · seller slight · prices rising year-over-year.

Price trend

Affordability

Valuation

Economic health

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

Buyer / sellerbuyer-timing lens

Negotiate Hard

Needs 22.1% correction for affordability

DOM: 100d (falling) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)75

Valuation Gap (25%)10

Supply & Demand (20%)100

Buy vs Rent (15%)50

Cancellation Rate (10%)100

Days on Market (5%)100

Moderate buyer leverage in 33431. Room to negotiate 5-10% below list. Payment burden: 37.8% of median income. A 7% price correction needed to reach 30% affordability threshold. Median days on market: 100. Renting is approximately 47% cheaper than buying (price-to-rent ratio: 17.7).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge. Prices up 3.5% YoY.

Address lookup$99 report path

Look Up an Address in 33431

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<iframe src="https://lotvox.com/embed/zip/33431" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Boca Raton 33431 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/miami/zip/33431?utm_source=embed&utm_medium=backlink">Boca Raton 33431 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$640,792

▴ 3.5% YoY

Days on market

daily · zip_data

Median rent

$3,143

ZORI

Investor score

60/100

cash-flow lens

Active listings

166

90-day

Valuation3 lenses, different anchors

vs assessor

-21.1%

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

Avg assessor$505,300

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+74.7%

County-wide market — the widest, slowest signal.

Palm Beach+74.7%

Lotvox comps · mv_valuation_gap

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

Pricing detail

Price / sqft$319

Price-to-income6.3×

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How 33431 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity48%

Supply tightness0%

Affordability17%

Investment yield32%

Appreciation93%

Affordability, supply & momentum

18SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply33.0 mo

Days on Market69d

Inv vs History-3.3%

Listing Density22.2/1k

Affordability — payment burden

Monthly payment (P&I)$3,311

Payment burden38.5%

Median income · ZIP$103,252

Mortgage rate6.71% · 30yr

Total monthly own$3,952

Monthly rent$3,143

Market dynamics

Price cut %21.2%

Momentumstable

LeverageSELLER SLIGHT

Months of supply33

Sales (90d)0

Investment analysis

Median rent$3,143

Price-to-rent17.7

Est. cap rate3.7%

Buy vs rentneutral

Livability

Walk score20

Transit score1

Bike score—

Historical trends

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Price bandsmix-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 Palm Beach.

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

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$170k	$203	23	7.0%	ZIP
$250k–$500k	$360k	$326	88	26.7%	ZIP
$500k–$750k	$578k	$424	100	30.4%	ZIP
$750k–$1M	$855k	$485	38	11.6%	ZIP
$1M–$1.5M	$1.20M	$542	29	8.8%	ZIP
$1.5M–$2M	$1.70M	$628	15	4.6%	ZIP
$2M+	$3.42M	$717	36	10.9%	ZIP
All sales (the headline median)	$585k	$415	329	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 33431.

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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Palm Beach County contextmacro · jobs · debt · migration

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

ZIP 33431→Palm Beach County, FL

12-Month Direction

-12Moderate Deterioration

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

35· Weak

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 Burden40

36%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent48

1.276x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation0

+74.7%

overvalued

Source: Lotvox comps · Updated 2026-05-15