ZIP 33556 vs ZIP 33609

33556 is one of 55 ZIP codes that lie mostly in Hillsborough, FL — 53% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 37 nearby ZIPs shown.

3 school locations in 33556: 1 elementary, 2 middle.

In alphabetical order: HAMMOND ELEMENTARY SCHOOL, STARKEY RANCH K-8, WALKER MIDDLE MAGNET SCHOOL. Locations only — no ratings are shown here.

33609 is one of 55 ZIP codes that lie mostly in Hillsborough, FL.

Shaded by typical home value, it ranks 5 of the 37 nearby ZIPs shown.

2 school locations in 33609: 1 elementary, 1 middle.

In alphabetical order: BRIDGEPREP ACADEMY OF TAMPA, MITCHELL ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33556 was worth $170,713.

Values peaked at $688,984 in May 2024. The latest reading is −3.3% from that peak.

As of August 2026: $666,163, −0.2% over twelve months.

Start with the typical home: $666,163. Put 20% down and borrow $532,930 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,690 a month in principal and interest.

The median household here earns $151,034 a year, $12,586 a month. So the payment takes 29.3% 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 7.5% 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 $1,022.

In December 2020, with rates at 2.68%, it was $1,443.

By August 2026, at 6.67%, it was $3,427 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +290% 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 $336,920. So the real change is +98%, not +290%.

33556: +290% since January 2000.

Hillsborough: +256% since January 2000.

Florida: +245% since January 2000 — 33556 ran ahead of it by 45 points.

Against 1,098 Florida ZIP codes, 33556 sits at the 69th percentile for affordability (price vs local income).

56th for appreciation (recent value growth); 8th for rental yield (rent vs price).

Owning the typical home costs about $4,356 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,060 a month.

Price divided by a year's rent: 26.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33609 was worth $149,766.

Values peaked at $636,402 in February 2025. The latest reading is −4.3% from that peak.

As of August 2026: $608,955, −1.4% over twelve months.

Start with the typical home: $608,955. Put 20% down and borrow $487,164 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,373 a month in principal and interest.

The median household here earns $105,083 a year, $8,757 a month. So the payment takes 38.5% of income — rated “severe” (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 9.5% 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 $897.

In December 2020, with rates at 2.68%, it was $1,412.

By August 2026, at 6.67%, it was $3,133 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +307% 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 $295,579. So the real change is +106%, not +307%.

33609: +307% since January 2000.

Hillsborough: +256% since January 2000.

Florida: +245% since January 2000 — 33609 ran ahead of it by 62 points.

Against 1,098 Florida ZIP codes, 33609 sits at the 24th percentile for affordability (price vs local income).

43rd for appreciation (recent value growth); 17th for rental yield (rent vs price).

Owning the typical home costs about $3,982 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,482 a month.

Price divided by a year's rent: 20.4. 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 66 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 212. That is 87% of the 2015–2019 level for the same months.

Going out — closed sales: about 67 a month. That is 103% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.2 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 67 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 52 — so sales ran at 129% of it, and below it in 18 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 38 a month (Redfin, 3-month rolling data through August 2026). That is 70% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 141.

Going out — closed sales: about 31 a month. That is 64% of the 2015–2019 level for the same months. The drain is drawn 32% narrower: the share of homes for sale that sell each month is 68% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.5 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 79% 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: 212 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: 141 in June 2026.

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