ZIP 34681

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.

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.

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.