Temple Terrace 33637

Hillsborough County, FL · 5,024 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

51affordability /100

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

Payment burden
29.9%
stretched
Days on market
65
daily
Price cuts
31.8%
of active
Valuation
-79.4%
vs assessor
Look up an address
44
/100
Mixed
cooling · buyer advantage · prices easing year-over-year.
Price trend
35
Affordability
65
Valuation
20
Economic health
51

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

22/ 100SellerBalancedBuyer
Seller's Market
DOM: 46d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)10
Supply & Demand (20%)20
Buy vs Rent (15%)25
Cancellation Rate (10%)25
Days on Market (5%)60

Seller-favored market in 33637. Expect to pay at or near list price. Payment burden: 30.0% of median income. Median days on market: 46. Renting is approximately 20% cheaper than buying (price-to-rent ratio: 14.4).

Buyer Caution

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

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

Market is cooling with expanding inventory. Buyers have strong negotiating leverage. Prices down 2.1% YoY.

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Market snapshoteach number, once

Median price
$298,805
▾ 2.1% YoY
Days on market
65
daily · zip_data
Median rent
$1,735
ZORI
Investor score
66/100
cash-flow lens
Active listings
48
90-day

Valuation3 lenses, different anchors

vs assessor
-79.4%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$61,500
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$205
Price-to-income4.9×

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How 33637 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity53%
Supply tightness97%
Affordability51%
Investment yield57%
Appreciation44%

Affordability, supply & momentum

62SUPPLY
Tight MarketSupply Tightness

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

Months of Supply2.6 mo
Days on Market65d
Inv vs History+20.6%
Listing Density6.3/1k
Affordability — payment burden
Monthly payment (P&I)$1,509
Payment burden29.9%
Median income · ZIP$60,526
Mortgage rate6.49% · 30yr
Total monthly own$1,808
Monthly rent$1,735
Market dynamics
Price cut %31.8%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$1,735
Price-to-rent14.4
Est. cap rate4.5%
Buy vs rentfavors buying

Livability

Walk score2
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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