33523

Pasco County, FL · 9,816 properties · updated 7/26/2026

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

26.6%

affordable

Days on market

daily

Price cuts

22.1%

of active

Valuation

+2.5%

vs assessor

Look up an address

/100

Stable

stable · balanced · prices rising year-over-year.

Price trend

Affordability

Valuation

Economic health

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-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.

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<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/tampa/zip/33523?utm_source=embed&utm_medium=backlink"> 33523 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$260,906

▴ 0.5% YoY

Days on market

daily · zip_data

Median rent

$1,833

ZORI

Investor score

78/100

cash-flow lens

Active listings

90-day

Valuation3 lenses, different anchors

vs assessor

+2.5%

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.

Pricing detail

Price / sqft$66

Price-to-income4.3×

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How 33523 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity44%

Supply tightness65%

Affordability73%

Investment yield86%

Appreciation71%

Affordability, supply & momentum

30SUPPLY

BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply21.8 mo

Days on Market73d

Inv vs History-20.5%

Listing Density8.8/1k

Affordability — payment burden

Monthly payment (P&I)$1,348

Payment burden26.6%

Median income · ZIP$60,897

Mortgage rate6.71% · 30yr

Total monthly own$1,609

Monthly rent$1,833

Market dynamics

Price cut %22.1%

Momentumstable

LeverageBALANCED

Months of supply21.8

Sales (90d)0

Investment analysis

Median rent$1,833

Price-to-rent11.9

Est. cap rate5.4%

Buy vs rentfavors buying

Livability

Walk score2

Transit score—

Bike score—

Historical trends

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Price bandsmix-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.

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Pasco County contextmacro · jobs · debt · migration

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 Burden49

30.4%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent55

1.174x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation11

+67.5%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand15

3.7 mo

balanced

Source: Lotvox MLS · Updated 2026-05-15

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

Near national averages

Source: BLS LAUS · 2026-0667d ago

Poverty Rate

Near national averages

Median Household Income

Near national averages

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$331,195

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors