Temple Terrace 33617

Hillsborough County, FL · 12,135 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

38affordability /100

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

Payment burden
37.5%
severe
Days on market
48
daily
Price cuts
27.2%
of active
Valuation
+42.2%
vs assessor
Look up an address
32
/100
Weak
stable · balanced · prices easing year-over-year.
Price trend
35
Affordability
25
Valuation
35
Economic health
38

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

37/ 100SellerBalancedBuyer
Seller's Market
Needs 20% correction for affordability
DOM: 52d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
Valuation Gap (25%)10
Supply & Demand (20%)20
Buy vs Rent (15%)25
Cancellation Rate (10%)50
Days on Market (5%)60

Seller-favored market in 33617. Expect to pay at or near list price. Payment burden: 37.5% of median income. A 7% price correction needed to reach 30% affordability threshold. Median days on market: 52. Renting is approximately 22% cheaper than buying (price-to-rent ratio: 14.6).

Buyer Caution

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

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

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers. Prices down 1.1% YoY.

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Market snapshoteach number, once

Median price
$300,920
▾ 1.1% YoY
Days on market
48
daily · zip_data
Median rent
$1,714
ZORI
Investor score
67/100
cash-flow lens
Active listings
139
90-day

Valuation3 lenses, different anchors

vs assessor
+42.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$427,850
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$118
Price-to-income6.2×

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How 33617 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity78%
Supply tightness96%
Affordability18%
Investment yield54%
Appreciation63%

Affordability, supply & momentum

72SUPPLY
Tight MarketSupply Tightness

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

Months of Supply2.6 mo
Days on Market48d
Inv vs History-3.1%
Listing Density7.0/1k
Affordability — payment burden
Monthly payment (P&I)$1,520
Payment burden37.5%
Median income · ZIP$48,651
Mortgage rate6.49% · 30yr
Total monthly own$1,821
Monthly rent$1,714
Market dynamics
Price cut %27.2%
Momentumstable
LeverageBALANCED
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$1,714
Price-to-rent14.6
Est. cap rate4.4%
Buy vs rentfavors buying

Livability

Walk score5
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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