ZIP 33635 vs ZIP 33549

33635 is one of 55 ZIP codes that lie mostly in Hillsborough, FL.

Shaded by typical home value, it ranks 12 of the 37 nearby ZIPs shown.

3 school locations in 33635: 1 elementary, 1 middle, 1 high.

In alphabetical order: ALONSO HIGH SCHOOL, HILLSBOROUGH ACADEMY OF MATH AND SCIENCE, LOWRY ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

33549 is one of 55 ZIP codes that lie mostly in Hillsborough, FL — 81% of its own area is in the county.

Shaded by typical home value, it ranks 14 of the 37 nearby ZIPs shown.

4 school locations in 33549: 4 middle.

In alphabetical order: LEARNING GATE COMMUNITY SCHOOL, LUTZ K-8 SCHOOL, LUTZ PREPARATORY SCHOOL, MANISCALCO K-8 SCHOOL. Locations only — no ratings are shown here.

In January 2003 the typical home in 33635 was worth $157,215.

Values peaked at $468,663 in September 2024. The latest reading is −5.7% from that peak.

As of August 2026: $441,975, −2.3% over twelve months.

Start with the typical home: $441,975. Put 20% down and borrow $353,580 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,448 a month in principal and interest.

The median household here earns $83,843 a year, $6,987 a month. So the payment takes 35.0% 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 12.5% in 2003.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2003 (5.92%) the payment was $747.

In December 2020, with rates at 2.68%, it was $1,006.

By August 2026, at 6.67%, it was $2,274 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +181% since January 2003.

General prices (CPI-U) rose +83% over the same span.

Divide one by the other: in August 2026 dollars, the 2003 home was worth $287,680. So the real change is +54%, not +181%.

33635: +181% since January 2003.

Hillsborough: +181% since January 2003.

Florida: +167% since January 2003 — 33635 ran ahead of it by 14 points.

Against 1,098 Florida ZIP codes, 33635 sits at the 38th percentile for affordability (price vs local income).

24th for appreciation (recent value growth); 25th for rental yield (rent vs price).

Owning the typical home costs about $2,890 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,898 a month.

Price divided by a year's rent: 19.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33549 was worth $136,600.

Values peaked at $464,827 in May 2024. The latest reading is −5.2% from that peak.

As of August 2026: $440,801, +0.2% over twelve months.

Start with the typical home: $440,801. Put 20% down and borrow $352,641 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,442 a month in principal and interest.

The median household here earns $85,066 a year, $7,089 a month. So the payment takes 34.4% 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 10.7% 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 $818.

In December 2020, with rates at 2.68%, it was $1,000.

By August 2026, at 6.67%, it was $2,268 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +223% 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 $269,594. So the real change is +64%, not +223%.

33549: +223% since January 2000.

Hillsborough: +256% since January 2000.

Florida: +245% since January 2000 — 33549 ran behind it by 22 points.

Against 1,098 Florida ZIP codes, 33549 sits at the 41st percentile for affordability (price vs local income).

65th for appreciation (recent value growth); 22nd for rental yield (rent vs price).

Owning the typical home costs about $2,882 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,946 a month.

Price divided by a year's rent: 18.9. 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 22 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 70.

Going out — closed sales: about 15 a month. The drain is drawn 47% narrower: the share of homes for sale that sell each month is 53% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.8 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 15 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — so sales ran at 65% of it, and below it in 23 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 24 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 74.

Going out — closed sales: about 17 a month. That is 62% of the 2015–2019 level for the same months. The drain is drawn 31% narrower: the share of homes for sale that sell each month is 69% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.3 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 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 26 — so sales ran at 65% 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: 70 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: 74 in June 2026.

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