ZIP 34681 vs ZIP 34688

34681 is one of 48 ZIP codes that lie mostly in Pinellas County, FL.

Shaded by typical home value, it ranks 4 of the 39 nearby ZIPs shown.

34688 is one of 48 ZIP codes that lie mostly in Pinellas County, FL.

Shaded by typical home value, it ranks 5 of the 39 nearby ZIPs shown.

4 school locations in 34688: 1 elementary, 2 middle, 1 high.

In alphabetical order: BROOKER CREEK ELEMENTARY SCHOOL, EAST LAKE HIGH SCHOOL, EAST LAKE MIDDLE SCHOOL ACADEMY OF ENGINEERING, PLATO ACADEMY CHARTER SCHOOL TARPON SPRINGS. Locations only — no ratings are shown here.

In January 2000 the typical home in 34681 was worth $180,311.

Values peaked at $729,832 in May 2024. The latest reading is −12.6% from that peak.

As of August 2026: $637,847, −2.1% over twelve months.

Start with the typical home: $637,847. Put 20% down and borrow $510,278 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,533 a month in principal and interest.

The median household here earns $66,406 a year, $5,534 a month. So the payment takes 63.8% 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 18.0% 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 $1,080.

In December 2020, with rates at 2.68%, it was $1,571.

By August 2026, at 6.67%, it was $3,282 — +109% since December 2020, while the home's value moved +31%.

Reported values rose +254% 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 $355,862. So the real change is +79%, not +254%.

34681: +254% since January 2000.

Pinellas County: +265% since January 2000.

Florida: +245% since January 2000 — 34681 ran ahead of it by 9 points.

Against 1,098 Florida ZIP codes, 34681 sits at the 4th percentile for affordability (price vs local income).

26th for appreciation (recent value growth).

Owning the typical home costs about $4,171 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,642 a month.

Price divided by a year's rent: 32.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34688 was worth $185,413.

Values peaked at $623,012 in April 2024. The latest reading is −7.1% from that peak.

As of August 2026: $578,553, −0.2% over twelve months.

Start with the typical home: $578,553. Put 20% down and borrow $462,842 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,205 a month in principal and interest.

The median household here earns $111,090 a year, $9,258 a month. So the payment takes 34.6% 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 11.1% 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 $1,110.

In December 2020, with rates at 2.68%, it was $1,348.

By August 2026, at 6.67%, it was $2,976 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +212% 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 $365,932. So the real change is +58%, not +212%.

34688: +212% since January 2000.

Pinellas County: +265% since January 2000.

Florida: +245% since January 2000 — 34688 ran behind it by 33 points.

Against 1,098 Florida ZIP codes, 34688 sits at the 43rd percentile for affordability (price vs local income).

60th for appreciation (recent value growth); 22nd for rental yield (rent vs price).

Owning the typical home costs about $3,783 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,650 a month.

Price divided by a year's rent: 18.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Across Pinellas County, builders pulled permits for 4,198 new homes in 2025.

Of those, 33% 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 15 a month (Redfin, 3-month rolling data through August 2026). That is 60% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 72.

Going out — closed sales: about 13 a month. That is 49% of the 2015–2019 level for the same months. The drain is drawn 40% narrower: the share of homes for sale that sell each month is 60% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.5 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 59% of it, and below it in 24 of the last 24 months.

Across Pinellas County, builders pulled permits for 4,198 new homes in 2025.

Of those, 33% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Pinellas County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 10,881 moved in. Among the ten receiving the most, 12,698 moved out.

Net across those counties: −1,817 households. Beside it, homes for sale in this ZIP: 2 in June 2026.

Most arrivals came from Hillsborough, FL (5,025 households); most departures went to Hillsborough, FL (4,886).

County assessor records list 670 properties with a market value here. Their average assessed market value is $539,784; the typical home value is $637,847.

The assessor average sits −15.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 620 homes with a recorded purchase date, 35% have had the same owner for 20 years or more, and 22% changed hands in the last five.

48% are owned from a different mailing address, 4% from out of state.

This ZIP sits in Pinellas County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 10,881 moved in. Among the ten receiving the most, 12,698 moved out.

Net across those counties: −1,817 households. Beside it, homes for sale in this ZIP: 72 in June 2026.

Most arrivals came from Hillsborough, FL (5,025 households); most departures went to Hillsborough, FL (4,886).

County assessor records list 3,570 properties with a market value here. Their average assessed market value is $496,528; the typical home value is $578,553.

The assessor average sits −14.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 3,460 homes with a recorded purchase date, 34% have had the same owner for 20 years or more, and 22% changed hands in the last five.

17% are owned from a different mailing address, 5% from out of state.