Pasco County, FL · 9,816 properties with county records
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Hernando 33523 is in Pasco County, FL, part of the Tampa Bay Metro. The typical home value in Hernando 33523 is $258,333 (Zillow Home Value Index, September 2026), up 0.3% from a year earlier. Homes that sold went under contract in a median 86 days, and 22% of listings took a price cut (Redfin Data Center, period ending Sep 30, 2026). On Lotvox's market-leverage reading of that data, with 4.4 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 33523 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Pasco County's 22 ZIPs with a Zillow value, the middle one is $332,812, so 33523 sits 22% below the county middle. Typical rent is $1,994 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 9,816 properties in 33523.
Headline value data through September 2026. Each source below carries its own date.
Is 33523 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Sep 30, 2026, 33523 is a balanced market. Homes went under contract in a median 86 days with 4.4 months of supply.
What do homes in 33523 sell for?
The typical home value in 33523 is $258,333 (Zillow Home Value Index, September 2026), up 0.3% in a year. County records put the median at about $66 per square foot (computed Apr 21, 2026).
Who is likely to sell in 33523?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 33523 has not passed that test yet. When it does, the score appears here.
How does 33523 compare to Pasco County?
33523's typical value of $258,333 compares with a middle value of $332,812 across Pasco County's 22 ZIPs. Both are Zillow Home Value Index figures for September 2026.
Where does this 33523 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 33523 Hernando, FL, data through September 2026, https://lotvox.com/tampa/zip/33523
Listings Flow Ladder — 33523
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026
the basin is fillingnet 3 listings/mo
Faucet — new listings
21/mo
81% of normal (26) · trickle
Basin — active listings
80
82% of normal (97) · balanced· baseline thin
Months of supply
4.4 mo
derived — not published at this grain
Drain — closed sales
18/mo
90% of normal (20)· baseline thin
Net — faucet minus drain
+3/mo
filling
Reading
current
as of 2026-09-30
Compare against:2015-01-01 to 2019-12-31 · 5 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
0%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
10%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
3/mofall in the monthly rate (16%)— peak 21/mo (2026-07-31) to 18/mo now
81transactions that did not happen— summed monthly shortfall vs the same-month normal, over 20 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-09-30
Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (18 new, 87 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
57affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
28%
stretched
Days on market
86
daily
Price cuts
22.1%
of active
Valuation
+3.5%
vs assessor
Days on market and price cuts: Redfin Data Center, rolling 90 days.
Rent: Zillow Observed Rent Index (ZORI). Ownership cost: Zillow Home Value Index (ZHVI), 20% down, 30-year loan at the current mortgage rate, plus 1.2% of the price a year.
Rent to price — the investor's question first
10.8×
price to annual rent
Lower is friendlier to a buy-to-let case. This is a ratio of published medians, not a yield on any particular property.
Price: Zillow Home Value Index (ZHVI). Annual rent: 12 months of Zillow Observed Rent Index (ZORI).
68
/100
Stable
stable · balanced · prices rising year-over-year.
Price trend
62
Affordability
65
Valuation
90
Economic health
57
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Balanced Market
DOM: 47d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)80
Supply & Demand (20%)100
Buy vs Rent (15%)0
Cancellation Rate (10%)0
Days on Market (5%)60
Balanced market in 33523. List price is roughly fair — focus on condition and value. Payment burden: 26.3% of median income. Median days on market: 47. Market appears 26% overpriced vs. assessed values.
Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLEBALANCED
Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.
Address lookup
$99 report path
Look Up an Address in 33523
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Median price: Zillow Home Value Index (ZHVI). Median rent: Zillow Observed Rent Index (ZORI). Days on market and active listings: Redfin Data Center, rolling 90 days.
Valuation
3 lenses, different anchors
vs assessor
+3.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$267,500
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+67.5%
County-wide market — the widest, slowest signal.
Pasco+67.5%
Hernando+76.5%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
in 15,554 · out 10,044 · Pasco County, FL (parent county of this ZIP)
active inventory
as of 2026-07-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Pasco.
Aggregate median -2.7% YoY in Tampa, FL (metro), but the under-$500k tier is -2.1% — the aggregate and the entry tier are moving together. Over the same year the under-$500k share of sales moved from 71.6% to 72.2% (+0.7pp) and the $1M+ share from 6.6% to 6.2% (-0.4pp).
Current tiers · 12 months to Aug 25floor 10 sales/tier
3 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$130k
$96
153
51.3%
ZIP
$250k–$500k
$320k
$174
113
37.9%
ZIP
$500k–$750k
$583k
$249
12
4.0%
ZIP
$750k–$1M
$840k
$231
602
—
COUNTY · Pasco, FL
$1M–$1.5M
$1.25M
$274
11
3.7%
ZIP
$1.5M–$2M
$1.62M
$335
39
—
COUNTY · Pasco, FL
$2M+
$4.04M
$326
35
—
COUNTY · Pasco, FL
All sales (the headline median)
$245k
$140
298
100%
ZIP
ZIP-level history was too thin to draw the tiers; served at metro level (Tampa, FL), by quarter.
Share of sales by tier (quarterly)
If the upper tiers widen over time, the headline median rises on composition alone.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+
Median within each tier, against the headline median (quarterly)
The blue line is the single number NAR-style reporting quotes. The gold lines are what each tier actually did. Log scale — the tiers span an order of magnitude, and on a log axis equal slopes mean equal percentage moves, which is the comparison being made.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+
All sales (headline)
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 33523.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
This ZIP code crosses county lines. Property data shows Pasco (67.8%) and Hernando (32.2%). County metrics below are shown separately for each county.
Pasco (67.8%)
Hernando (32.2%)
ZIP 33523→2 counties
12-Month Direction
-10Stable
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
38· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
28%
stretched
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.32% · Zillow ZHVI · Census income · Updated 2026-10-22
Price-to-rent
10.8x
favors buying
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation11
+67.5%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
4.4 mo
balanced
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-09-30
Insurance Risk
47/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
5.0%
FL 4.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0857d ago
Poverty Rate
10.5%
FL 12.4%US 12.6%
Near national averages
Median Household Income
$67,384
FL $72,373US $82,006
Near national averages
Cost of Living (RPP)
101.2
FL 101.2US 100.3
Near national averages
Home Value (ZHVI)$332,569
County data: Zillow Home Value Index (ZHVI), BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors
Typical home value: Zillow Home Value Index (ZHVI); change is the 12-month change.
Owner stock, age of householder
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
No ZIP figure — this ZIP spans 2 counties
NOT DERIVED: this ZIP spans more than one county. Tenure by age is not published below county, and no single county rate applies here. Weighting by area would produce a number, not a measurement - area is a poor proxy for where households are. Each county's own figure is shown instead.
