Lutz 33559

Hillsborough County, FL · 5,360 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

52affordability /100

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

Payment burden
29.2%
stretched
Days on market
21
daily
Price cuts
25.0%
of active
Valuation
-20.5%
vs assessor
Look up an address
53
/100
Mixed
cooling · seller slight · prices easing year-over-year.
Price trend
42
Affordability
65
Valuation
50
Economic health
52

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

28/ 100SellerBalancedBuyer
Seller's Market
DOM: 59d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)10
Supply & Demand (20%)20
Buy vs Rent (15%)50
Cancellation Rate (10%)50
Days on Market (5%)60

Seller-favored market in 33559. Expect to pay at or near list price. Payment burden: 29.2% of median income. Median days on market: 59. Renting is approximately 41% cheaper than buying (price-to-rent ratio: 16.9).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 1.8% YoY.

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Market snapshoteach number, once

Median price
$376,374
▾ 1.8% YoY
Days on market
21
daily · zip_data
Median rent
$1,862
ZORI
Investor score
57/100
cash-flow lens
Active listings
36
90-day

Valuation3 lenses, different anchors

vs assessor
-20.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$299,400
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+68.5%
County-wide market — the widest, slowest signal.
Pasco+68.5%
Hillsborough+74.7%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$124
Price-to-income4.8×

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How 33559 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity95%
Supply tightness94%
Affordability55%
Investment yield38%
Appreciation50%

Affordability, supply & momentum

87SUPPLY
Severe TightnessSupply Tightness

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

Months of Supply2.6 mo
Days on Market21d
Inv vs History-12.8%
Listing Density5.4/1k
Affordability — payment burden
Monthly payment (P&I)$1,901
Payment burden29.2%
Median income · ZIP$78,264
Mortgage rate6.49% · 30yr
Total monthly own$2,278
Monthly rent$1,862
Market dynamics
Price cut %25.0%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$1,862
Price-to-rent16.9
Est. cap rate3.9%
Buy vs rentneutral

Livability

Walk score2
Transit score
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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