ZIP 33647 vs ZIP 33596

33647 is one of 55 ZIP codes that lie mostly in Hillsborough, FL.

Shaded by typical home value, it ranks 10 of the 38 nearby ZIPs shown.

11 school locations in 33647: 6 elementary, 3 middle, 2 high.

In alphabetical order: BENITO MIDDLE SCHOOL, CHILES ELEMENTARY SCHOOL, CLARK ELEMENTARY SCHOOL, FREEDOM HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33596 is one of 55 ZIP codes that lie mostly in Hillsborough, FL.

Shaded by typical home value, it ranks 7 of the 35 nearby ZIPs shown.

6 school locations in 33596: 3 elementary, 2 middle, 1 high.

In alphabetical order: ALAFIA ELEMENTARY SCHOOL, BLOOMINGDALE HIGH SCHOOL, CIMINO ELEMENTARY SCHOOL, LITHIA SPRINGS ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2003 the typical home in 33647 was worth $193,892.

Values peaked at $503,883 in August 2022. The latest reading is −7.2% from that peak.

As of August 2026: $467,794, −1.9% over twelve months.

Start with the typical home: $467,794. Put 20% down and borrow $374,235 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,591 a month in principal and interest.

The median household here earns $104,775 a year, $8,731 a month. So the payment takes 29.7% 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 12.3% 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 $922.

In December 2020, with rates at 2.68%, it was $1,050.

By August 2026, at 6.67%, it was $2,407 — +129% since December 2020, while the home's value moved +44%.

Reported values rose +141% 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 $354,794. So the real change is +32%, not +141%.

33647: +141% since January 2003.

Hillsborough: +181% since January 2003.

Florida: +167% since January 2003 — 33647 ran behind it by 25 points.

Against 1,098 Florida ZIP codes, 33647 sits at the 66th percentile for affordability (price vs local income).

33rd for appreciation (recent value growth); 18th for rental yield (rent vs price).

Owning the typical home costs about $3,059 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,826 a month.

Price divided by a year's rent: 21.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33596 was worth $144,632.

Values peaked at $490,855 in September 2022. The latest reading is −6.8% from that peak.

As of August 2026: $457,616, −2.3% over twelve months.

Start with the typical home: $457,616. Put 20% down and borrow $366,093 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,535 a month in principal and interest.

The median household here earns $112,305 a year, $9,359 a month. So the payment takes 27.1% of income — rated “affordable” (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 8.6% 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 $866.

In December 2020, with rates at 2.68%, it was $1,061.

By August 2026, at 6.67%, it was $2,354 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +216% 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 $285,446. So the real change is +60%, not +216%.

33596: +216% since January 2000.

Hillsborough: +256% since January 2000.

Florida: +245% since January 2000 — 33596 ran behind it by 29 points.

Against 1,098 Florida ZIP codes, 33596 sits at the 80th percentile for affordability (price vs local income).

24th for appreciation (recent value growth); 56th for rental yield (rent vs price).

Owning the typical home costs about $2,992 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,775 a month.

Price divided by a year's rent: 13.7. 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 87 a month (Redfin, 3-month rolling data through August 2026). That is 59% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 317. That is 94% of the 2015–2019 level for the same months.

Going out — closed sales: about 74 a month. That is 52% of the 2015–2019 level for the same months. The drain is drawn 44% narrower: the share of homes for sale that sell each month is 56% 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 74 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 121 — so sales ran at 61% 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 40 a month (Redfin, 3-month rolling data through August 2026). That is 58% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 128.

Going out — closed sales: about 39 a month. That is 61% of the 2015–2019 level for the same months. The drain is drawn 35% narrower: the share of homes for sale that sell each month is 65% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.3 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 came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 39 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 58 — so sales ran at 67% 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: 317 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: 128 in June 2026.

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