ZIP 34695 vs ZIP 34685

34695 is one of 48 ZIP codes that lie mostly in Pinellas County, FL.

Shaded by typical home value, it ranks 8 of the 39 nearby ZIPs shown.

2 school locations in 34695: 1 elementary, 1 middle.

34685 is one of 48 ZIP codes that lie mostly in Pinellas County, FL.

Shaded by typical home value, it ranks 9 of the 39 nearby ZIPs shown.

1 school location in 34685: 1 elementary.

In alphabetical order: CYPRESS WOODS ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34695 was worth $137,821.

Values peaked at $532,446 in May 2024. The latest reading is −5.7% from that peak.

As of August 2026: $502,277, +1.3% over twelve months.

Start with the typical home: $502,277. Put 20% down and borrow $401,822 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,782 a month in principal and interest.

The median household here earns $96,138 a year, $8,012 a month. So the payment takes 34.7% 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 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 $825.

In December 2020, with rates at 2.68%, it was $1,146.

By August 2026, at 6.67%, it was $2,584 — +125% since December 2020, while the home's value moved +42%.

Reported values rose +264% 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 $272,004. So the real change is +85%, not +264%.

34695: +264% since January 2000.

Pinellas County: +265% since January 2000.

Florida: +245% since January 2000 — 34695 ran ahead of it by 19 points.

Against 1,098 Florida ZIP codes, 34695 sits at the 41st percentile for affordability (price vs local income).

80th for appreciation (recent value growth); 32nd for rental yield (rent vs price).

Owning the typical home costs about $3,284 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,575 a month.

Price divided by a year's rent: 16.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34685 was worth $166,716.

Values peaked at $532,390 in May 2024. The latest reading is −9.6% from that peak.

As of August 2026: $481,075, −1.9% over twelve months.

Start with the typical home: $481,075. Put 20% down and borrow $384,860 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,665 a month in principal and interest.

The median household here earns $87,658 a year, $7,305 a month. So the payment takes 36.5% 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 12.6% 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 $998.

In December 2020, with rates at 2.68%, it was $1,165.

By August 2026, at 6.67%, it was $2,475 — +112% since December 2020, while the home's value moved +34%.

Reported values rose +189% 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 $329,031. So the real change is +46%, not +189%.

34685: +189% since January 2000.

Pinellas County: +265% since January 2000.

Florida: +245% since January 2000 — 34685 ran behind it by 56 points.

Against 1,098 Florida ZIP codes, 34685 sits at the 33rd 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 $3,146 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,042 a month.

Price divided by a year's rent: 19.6. 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 27 a month (Redfin, 3-month rolling data through August 2026). That is 62% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 76.

Going out — closed sales: about 28 a month. That is 72% of the 2015–2019 level for the same months. The drain is drawn 7% narrower: the share of homes for sale that sell each month is 93% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.7 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 28 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 35 — so sales ran at 80% 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).

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 26 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: 94.

Going out — closed sales: about 25 a month. That is 61% of the 2015–2019 level for the same months. The drain is drawn 34% narrower: the share of homes for sale that sell each month is 66% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.8 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 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 31 — so sales ran at 81% 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: 76 in June 2026.

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

County assessor records list 7,267 properties with a market value here. Their average assessed market value is $423,397; the typical home value is $502,277.

The assessor average sits −15.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 6,913 homes with a recorded purchase date, 42% have had the same owner for 20 years or more, and 19% changed hands in the last five.

14% 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: 94 in June 2026.

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

County assessor records list 6,970 properties with a market value here. Their average assessed market value is $442,197; the typical home value is $481,075.

The assessor average sits −8.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 6,418 homes with a recorded purchase date, 35% have had the same owner for 20 years or more, and 19% changed hands in the last five.

15% are owned from a different mailing address, 9% from out of state.