ZIP 33534 vs ZIP 33570

33534 is one of 55 ZIP codes that lie mostly in Hillsborough, FL.

Shaded by typical home value, it ranks 27 of the 35 nearby ZIPs shown.

5 school locations in 33534: 2 elementary, 3 high.

In alphabetical order: CORR ELEMENTARY SCHOOL, EAST BAY HIGH SCHOOL, EISENHOWER EXCEPTIONAL CENTER, EISENHOWER MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33570 is one of 55 ZIP codes that lie mostly in Hillsborough, FL.

Shaded by typical home value, it ranks 28 of the 35 nearby ZIPs shown.

6 school locations in 33570: 2 elementary, 2 middle, 2 high.

In alphabetical order: LENNARD HIGH SCHOOL, LITERACY/LEADERSHIP/TECHNOLOGY ACADEMY, LITERACY LEADERSHIP TECHNOLOGY ACADEMY SOUTH BAY, RUSKIN ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 33534 was worth $99,912.

Values peaked at $365,317 in August 2022. The latest reading is −14.0% from that peak.

As of August 2026: $314,162, −3.1% over twelve months.

Start with the typical home: $314,162. Put 20% down and borrow $251,330 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,740 a month in principal and interest.

The median household here earns $73,600 a year, $6,133 a month. So the payment takes 28.4% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.0% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $598.

In December 2020, with rates at 2.68%, it was $721.

By August 2026, at 6.67%, it was $1,616 — +124% since December 2020, while the home's value moved +41%.

Reported values rose +214% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $197,187. So the real change is +59%, not +214%.

33534: +214% since January 2000.

Hillsborough: +256% since January 2000.

Florida: +245% since January 2000 — 33534 ran behind it by 31 points.

Against 1,098 Florida ZIP codes, 33534 sits at the 73rd percentile for affordability (price vs local income).

17th for appreciation (recent value growth); 91st for rental yield (rent vs price).

Owning the typical home costs about $2,054 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,287 a month.

Price divided by a year's rent: 11.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33570 was worth $107,511.

Values peaked at $371,974 in September 2022. The latest reading is −16.2% from that peak.

As of August 2026: $311,697, −3.5% over twelve months.

Start with the typical home: $311,697. Put 20% down and borrow $249,358 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,727 a month in principal and interest.

The median household here earns $69,048 a year, $5,754 a month. So the payment takes 30.0% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.3% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $644.

In December 2020, with rates at 2.68%, it was $748.

By August 2026, at 6.67%, it was $1,604 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +190% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $212,184. So the real change is +47%, not +190%.

33570: +190% since January 2000.

Hillsborough: +256% since January 2000.

Florida: +245% since January 2000 — 33570 ran behind it by 55 points.

Against 1,098 Florida ZIP codes, 33570 sits at the 62nd percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 86th for rental yield (rent vs price).

Owning the typical home costs about $2,038 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,185 a month.

Price divided by a year's rent: 11.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 17 a month (Redfin, 3-month rolling data through August 2026). That is 47% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 51.

Going out — closed sales: about 12 a month. That is 36% of the 2015–2019 level for the same months. The drain is drawn 46% narrower: the share of homes for sale that sell each month is 54% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.4 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 31 — so sales ran at 39% of it, and below it in 24 of the last 24 months.

Across Hillsborough, builders pulled permits for 8,696 new homes in 2025.

Of those, 49% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 69 a month (Redfin, 3-month rolling data through August 2026). That is 92% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 257. That is 135% of the 2015–2019 level for the same months.

Going out — closed sales: about 50 a month. That is 75% of the 2015–2019 level for the same months. The drain is drawn 45% narrower: the share of homes for sale that sell each month is 55% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.2 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 19 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 50 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 66 — so sales ran at 76% of it, and below it in 24 of the last 24 months.

Across Hillsborough, builders pulled permits for 8,696 new homes in 2025.

Of those, 49% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Hillsborough. IRS tax returns for 2022-2023: among the ten counties sending the most households, 18,304 moved in. Among the ten receiving the most, 22,455 moved out.

Net across those counties: −4,151 households. Beside it, homes for sale in this ZIP: 51 in June 2026.

Most arrivals came from Pinellas, FL (4,886 households); most departures went to Pasco, FL (8,182).

This ZIP sits in Hillsborough. IRS tax returns for 2022-2023: among the ten counties sending the most households, 18,304 moved in. Among the ten receiving the most, 22,455 moved out.

Net across those counties: −4,151 households. Beside it, homes for sale in this ZIP: 257 in June 2026.

Most arrivals came from Pinellas, FL (4,886 households); most departures went to Pasco, FL (8,182).