Tampa 33609

Hillsborough County, FL · 8,620 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

41affordability /100

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

Payment burden
35.6%
stretched
Days on market
61
daily
Price cuts
28.2%
of active
Valuation
-56.2%
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
41

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

36/ 100SellerBalancedBuyer
Seller's Market
Needs 15.7% correction for affordability
DOM: 58d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)20
Buy vs Rent (15%)75
Cancellation Rate (10%)25
Days on Market (5%)60

Seller-favored market in 33609. Expect to pay at or near list price. Payment burden: 35.6% of median income. Median days on market: 58. Renting is approximately 80% cheaper than buying (price-to-rent ratio: 21.6).

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 2.9% YoY.

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Market snapshoteach number, once

Median price
$617,025
▾ 2.9% YoY
Days on market
61
daily · zip_data
Median rent
$2,380
ZORI
Investor score
39/100
cash-flow lens
Active listings
124
90-day

Valuation3 lenses, different anchors

vs assessor
-56.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$270,150
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$251
Price-to-income5.9×

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How 33609 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity59%
Supply tightness95%
Affordability24%
Investment yield17%
Appreciation31%

Affordability, supply & momentum

65SUPPLY
Tight MarketSupply Tightness

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

Months of Supply2.6 mo
Days on Market61d
Inv vs History-20.1%
Listing Density14.7/1k
Affordability — payment burden
Monthly payment (P&I)$3,117
Payment burden35.6%
Median income · ZIP$105,083
Mortgage rate6.49% · 30yr
Total monthly own$3,734
Monthly rent$2,380
Market dynamics
Price cut %28.2%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$2,380
Price-to-rent21.6
Est. cap rate3.0%
Buy vs rentfavors renting

Livability

Walk score11
Transit score2
Bike score—

Historical trends

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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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