ZIP 34698 vs ZIP 33703

34698 is one of 48 ZIP codes that lie mostly in Pinellas County, FL.

Shaded by typical home value, it ranks 11 of the 39 nearby ZIPs shown.

8 school locations in 34698: 4 elementary, 3 middle, 1 high.

In alphabetical order: ACADEMIE DA VINCI CHARTER SCHOOL, CURTIS FUNDAMENTAL ELEMENTARY, DISCOVERY ACADEMY OF SCIENCE, DUNEDIN ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33703 is one of 48 ZIP codes that lie mostly in Pinellas County, FL.

Shaded by typical home value, it ranks 10 of the 39 nearby ZIPs shown.

3 school locations in 33703: 1 middle, 2 high.

In alphabetical order: MEADOWLAWN MIDDLE SCHOOL, NORTHEAST HIGH SCHOOL, PINELLAS VIRTUAL K-12. Locations only — no ratings are shown here.

In January 2000 the typical home in 34698 was worth $98,250.

Values peaked at $450,012 in May 2024. The latest reading is −7.8% from that peak.

As of August 2026: $415,106, +1.1% over twelve months.

Start with the typical home: $415,106. Put 20% down and borrow $332,085 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,299 a month in principal and interest.

The median household here earns $67,323 a year, $5,610 a month. So the payment takes 41.0% 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 9.7% 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 $588.

In December 2020, with rates at 2.68%, it was $965.

By August 2026, at 6.67%, it was $2,136 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +322% 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 $193,907. So the real change is +114%, not +322%.

34698: +323% since January 2000.

Pinellas County: +265% since January 2000.

Florida: +245% since January 2000 — 34698 ran ahead of it by 78 points.

Against 1,098 Florida ZIP codes, 34698 sits at the 20th percentile for affordability (price vs local income).

80th for appreciation (recent value growth); 40th for rental yield (rent vs price).

Owning the typical home costs about $2,714 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,030 a month.

Price divided by a year's rent: 17.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33703 was worth $101,842.

Values peaked at $477,451 in May 2024. The latest reading is −16.6% from that peak.

As of August 2026: $398,232, −2.7% over twelve months.

Start with the typical home: $398,232. Put 20% down and borrow $318,586 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,206 a month in principal and interest.

The median household here earns $96,795 a year, $8,066 a month. So the payment takes 27.3% 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 7.0% 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 $610.

In December 2020, with rates at 2.68%, it was $1,026.

By August 2026, at 6.67%, it was $2,049 — +100% since December 2020, while the home's value moved +26%.

Reported values rose +291% 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 $200,996. So the real change is +98%, not +291%.

33703: +291% since January 2000.

Pinellas County: +265% since January 2000.

Florida: +245% since January 2000 — 33703 ran ahead of it by 46 points.

Against 1,098 Florida ZIP codes, 33703 sits at the 80th percentile for affordability (price vs local income).

30th for appreciation (recent value growth); 78th for rental yield (rent vs price).

Owning the typical home costs about $2,604 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,728 a month.

Price divided by a year's rent: 12.2. 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 70 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: 278. That is 134% of the 2015–2019 level for the same months.

Going out — closed sales: about 63 a month. That is 72% 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 = 4.4 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 63 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 78 — 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).

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 78 a month (Redfin, 3-month rolling data through August 2026). That is 104% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 269. That is 161% of the 2015–2019 level for the same months.

Going out — closed sales: about 65 a month. That is 89% of the 2015–2019 level for the same months. 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 = 4.1 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 65 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 62 — so sales ran at 105% of it, and below it in 21 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: 278 in June 2026.

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

County assessor records list 17,027 properties with a market value here. Their average assessed market value is $380,012; the typical home value is $415,106.

The assessor average sits −8.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 16,141 homes with a recorded purchase date, 36% have had the same owner for 20 years or more, and 22% changed hands in the last five.

23% are owned from a different mailing address, 8% 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: 269 in June 2026.

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

County assessor records list 10,708 properties with a market value here. Their average assessed market value is $337,491; the typical home value is $398,232.

The assessor average sits −15.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 10,250 homes with a recorded purchase date, 34% have had the same owner for 20 years or more, and 27% changed hands in the last five.

17% are owned from a different mailing address, 3% from out of state.