ZIP 33706

33706 is one of 48 ZIP codes that lie mostly in Pinellas County, FL.

Shaded by typical home value, it ranks 6 of the 39 nearby ZIPs shown.

1 school location in 33706: 1 elementary.

In alphabetical order: GULF BEACHES ELEMENTARY MAGNET SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33706 was worth $167,180.

Values peaked at $730,619 in August 2022. The latest reading is −22.4% from that peak.

As of August 2026: $566,678, −3.1% over twelve months.

Start with the typical home: $566,678. Put 20% down and borrow $453,342 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,139 a month in principal and interest.

The median household here earns $97,364 a year, $8,114 a month. So the payment takes 38.7% 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 11.4% 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 $1,001.

In December 2020, with rates at 2.68%, it was $1,530.

By August 2026, at 6.67%, it was $2,915 — +91% since December 2020, while the home's value moved +20%.

Reported values rose +239% 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 $329,947. So the real change is +72%, not +239%.

33706: +239% since January 2000.

Pinellas County: +265% since January 2000.

Florida: +245% since January 2000 — 33706 ran behind it by 6 points.

Against 1,098 Florida ZIP codes, 33706 sits at the 26th 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 $3,706 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,425 a month.

Price divided by a year's rent: 19.5. 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 60 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: 347. That is 143% of the 2015–2019 level for the same months.

Going out — closed sales: about 53 a month. That is 71% 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 = 6.5 months of supply — above 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 53 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 62 — so sales ran at 85% of it, and below it in 23 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: 347 in June 2026.

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

County assessor records list 11,248 properties with a market value here. Their average assessed market value is $506,198; the typical home value is $566,678.

The assessor average sits −10.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 10,807 homes with a recorded purchase date, 34% have had the same owner for 20 years or more, and 23% changed hands in the last five.

36% are owned from a different mailing address, 13% from out of state.