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
Balanced Market
Needs 9.6% correction for affordability
DOM: 51d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)50
Days on Market (5%)60
Balanced market in 33707. List price is roughly fair — focus on condition and value. Payment burden: 32.4% of median income. Median days on market: 51. Renting is approximately 14% cheaper than buying (price-to-rent ratio: 13.7).
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 2.3% YoY.
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A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Pinellas.
Aggregate median +0.3% YoY in this ZIP, but the under-$500k tier is -1.6% — the headline median is essentially flat, so the tier move is what matters here. Over the same year the under-$500k share of sales moved from 65.8% to 64.4% (-1.4pp) and the $1M+ share from 9.2% to 7.5% (-1.8pp).
Current tiers · 12 months to Aug 25floor 10 sales/tier
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$182k
$185
238
18.5%
ZIP
$250k–$500k
$350k
$304
589
45.8%
ZIP
$500k–$750k
$624k
$380
258
20.1%
ZIP
$750k–$1M
$840k
$366
104
8.1%
ZIP
$1M–$1.5M
$1.15M
$445
49
3.8%
ZIP
$1.5M–$2M
$1.78M
$571
10
0.8%
ZIP
$2M+
$2.85M
$603
37
2.9%
ZIP
All sales (the headline median)
$400k
$309
1,285
100%
ZIP
Share of sales by tier (quarterly)
If the upper tiers widen over time, the headline median rises on composition alone.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+
Median within each tier, against the headline median (quarterly)
The blue line is the single number NAR-style reporting quotes. The gold lines are what each tier actually did. Log scale — the tiers span an order of magnitude, and on a log axis equal slopes mean equal percentage moves, which is the comparison being made.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$2M+
All sales (headline)
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 33707.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
Pinellas County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
Pinellas County
County-level context for ZIP 33707
Verified — Pinellas County
Healthy (30)
ZIP 33707→Pinellas County, FL
12-Month Direction
-10Stable
Confidence
100%
DeterioratingStableImproving
Why this score
BuildersLens Market Intelligence
Market Score
38· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.