Town 'n' Country 33634

Hillsborough County, FL · 6,509 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

45affordability /100

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

Payment burden
33.2%
stretched
Days on market
42
daily
Price cuts
24.9%
of active
Look up an address
44
/100
Mixed
stable · balanced · prices easing year-over-year.
Price trend
42
Affordability
45
Economic health
45

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
Needs 9.6% correction for affordability
DOM: 44d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)20
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)40

Seller-favored market in 33634. Expect to pay at or near list price. Payment burden: 33.2% of median income. Median days on market: 44. Renting is approximately 47% cheaper than buying (price-to-rent ratio: 17.6).

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.

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Market snapshoteach number, once

Median price
$378,722
▾ 0.1% YoY
Days on market
42
daily · zip_data
Median rent
$1,795
ZORI
Investor score
59/100
cash-flow lens
Active listings
50
90-day

Valuation3 lenses, different anchors

vs assessor
—
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
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$132
Price-to-income5.5×

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How 33634 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity84%
Supply tightness97%
Affordability33%
Investment yield32%
Appreciation75%

Affordability, supply & momentum

75SUPPLY
Severe TightnessSupply Tightness

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

Months of Supply2.6 mo
Days on Market42d
Inv vs History-0.2%
Listing Density6.3/1k
Affordability — payment burden
Monthly payment (P&I)$1,913
Payment burden33.2%
Median income · ZIP$69,185
Mortgage rate6.49% · 30yr
Total monthly own$2,292
Monthly rent$1,795
Market dynamics
Price cut %24.9%
Momentumstable
LeverageBALANCED
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$1,795
Price-to-rent17.6
Est. cap rate3.7%
Buy vs rentneutral

Livability

Walk score4
Transit score1
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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