Lutz 33548

Hillsborough County, FL · 3,256 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

46affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
32.7%
stretched
Days on market
22
daily
Price cuts
30.0%
of active
Valuation
-53.5%
vs assessor
Look up an address
50
/100
Mixed
stable · seller slight · prices rising year-over-year.
Price trend
55
Affordability
65
Valuation
20
Economic health
46

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

40/ 100SellerBalancedBuyer
Balanced Market
Needs 8.3% correction for affordability
DOM: 32d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)40
Supply & Demand (20%)20
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)40

Balanced market in 33548. List price is roughly fair — focus on condition and value. Payment burden: 32.8% of median income. Median days on market: 32. Renting is approximately 107% cheaper than buying (price-to-rent ratio: 24.8).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge.

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Market snapshoteach number, once

Median price
$672,639
▴ 1.0% YoY
Days on market
22
daily · zip_data
Median rent
$2,258
ZORI
Investor score
38/100
cash-flow lens
Active listings
22
90-day

Valuation3 lenses, different anchors

vs assessor
-53.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$313,000
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+74.7%
County-wide market — the widest, slowest signal.
Hillsborough+74.7%
Pasco+68.5%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$111
Price-to-income5.4×

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How 33548 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity95%
Supply tightness99%
Affordability35%
Investment yield10%
Appreciation85%

Affordability, supply & momentum

86SUPPLY
Severe TightnessSupply Tightness

Very tight supply — well-priced homes attract multiple offers within days.

Months of Supply2.6 mo
Days on Market22d
Inv vs History-20.6%
Listing Density8.0/1k
Affordability — payment burden
Monthly payment (P&I)$3,398
Payment burden32.7%
Median income · ZIP$124,548
Mortgage rate6.49% · 30yr
Total monthly own$4,070
Monthly rent$2,258
Market dynamics
Price cut %30.0%
Momentumstable
LeverageSELLER SLIGHT
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$2,258
Price-to-rent24.8
Est. cap rate2.6%
Buy vs rentfavors renting

Livability

Walk score
Transit score1
Bike score

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Hillsborough County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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