Tampa 33604

Hillsborough County, FL · 14,316 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

42affordability /100

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

Payment burden
35.3%
stretched
Days on market
55
daily
Price cuts
31.5%
of active
Valuation
+56.4%
vs assessor
Look up an address
36
/100
Weak
cooling · seller slight · prices easing year-over-year.
Price trend
35
Affordability
45
Valuation
20
Economic health
42

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

45/ 100SellerBalancedBuyer
Balanced Market
Needs 15% correction for affordability
DOM: 62d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)60
Supply & Demand (20%)20
Buy vs Rent (15%)50
Cancellation Rate (10%)25
Days on Market (5%)75

Balanced market in 33604. List price is roughly fair — focus on condition and value. Payment burden: 35.3% of median income. Median days on market: 62. Renting is approximately 41% cheaper than buying (price-to-rent ratio: 16.9).

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

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 1.6% YoY.

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Market snapshoteach number, once

Median price
$326,169
▾ 1.6% YoY
Days on market
55
daily · zip_data
Median rent
$1,609
ZORI
Investor score
57/100
cash-flow lens
Active listings
175
90-day

Valuation3 lenses, different anchors

vs assessor
+56.4%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$510,100
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%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$166
Price-to-income5.8×

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How 33604 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity67%
Supply tightness94%
Affordability26%
Investment yield35%
Appreciation54%

Affordability, supply & momentum

67SUPPLY
Tight MarketSupply Tightness

Supply is below normal — sellers are favored but buyers still have options.

Months of Supply2.6 mo
Days on Market55d
Inv vs History-7.3%
Listing Density11.2/1k
Affordability — payment burden
Monthly payment (P&I)$1,648
Payment burden35.3%
Median income · ZIP$55,988
Mortgage rate6.49% · 30yr
Total monthly own$1,974
Monthly rent$1,609
Market dynamics
Price cut %31.5%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$1,609
Price-to-rent16.9
Est. cap rate3.8%
Buy vs rentneutral

Livability

Walk score4
Transit score6
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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