Saint Petersburg 33712

Pinellas County, FL · 17,198 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

44affordability /100

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

Payment burden
33.7%
stretched
Days on market
54
daily
Price cuts
29.4%
of active
Valuation
-13%
vs assessor
Look up an address
38
/100
Weak
cooling · balanced · prices easing year-over-year.
Supply / demand
39
Price trend
7
Affordability
45
Valuation
70
Economic health
44

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

42/ 100SellerBalancedBuyer
Balanced Market
Needs 11% correction for affordability
DOM: 46d (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%)0
Days on Market (5%)60

Balanced market in 33712. List price is roughly fair — focus on condition and value. Payment burden: 33.7% of median income. Median days on market: 46. Renting is approximately 19% cheaper than buying (price-to-rent ratio: 14.3).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 3.5% YoY.

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Market snapshoteach number, once

Median price
$320,750
▾ 3.5% YoY
Days on market
54
daily · zip_data
Median rent
$1,870
ZORI
Investor score
63/100
cash-flow lens
Active listings
110
90-day

Valuation3 lenses, different anchors

vs assessor
-13.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$278,904
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+70.3%
County-wide market — the widest, slowest signal.
Pinellas+70.3%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$130
Price-to-income5.6×

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How 33712 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity70%
Supply tightness65%
Affordability31%
Investment yield57%
Appreciation25%

Affordability, supply & momentum

29SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply17.7 mo
Days on Market54d
Inv vs History-3.1%
Listing Density11.7/1k
Affordability — payment burden
Monthly payment (P&I)$1,620
Payment burden33.7%
Median income · ZIP$57,729
Mortgage rate6.49% · 30yr
Total monthly own$1,941
Monthly rent$1,870
Market dynamics
Price cut %29.4%
Momentumcooling
LeverageBALANCED
Months of supply17.7
Sales (90d)17
Investment analysis
Median rent$1,870
Price-to-rent14.3
Est. cap rate4.5%
Buy vs rentfavors buying

Livability

Walk score2
Transit score11
Bike score

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Pinellas 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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