Clearwater 33764

Pinellas County, FL · 20,876 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

43affordability /100

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

Payment burden

36%

severe

Days on market

daily

Price cuts

30.7%

of active

Valuation

-20.4%

vs assessor

Look up an address

/100

Mixed

cooling · buyer advantage · prices rising year-over-year.

Price trend

Affordability

Valuation

Economic health

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 16.7% correction for affordability

DOM: 67d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)50

Valuation Gap (25%)40

Supply & Demand (20%)100

Buy vs Rent (15%)25

Cancellation Rate (10%)0

Days on Market (5%)75

Balanced market in 33764. List price is roughly fair — focus on condition and value. Payment burden: 35.0% of median income. Median days on market: 67. Renting is approximately 22% cheaper than buying (price-to-rent ratio: 14.6).

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

COOLINGBUYER ADVANTAGE

Market is cooling with expanding inventory. Buyers have strong negotiating leverage.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/33764" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Clearwater 33764 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/tampa/zip/33764?utm_source=embed&utm_medium=backlink">Clearwater 33764 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$374,718

▴ 0.4% YoY

Days on market

daily · zip_data

Median rent

$2,118

ZORI

Investor score

66/100

cash-flow lens

Active listings

145

90-day

Valuation3 lenses, different anchors

vs assessor

-20.4%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$298,297

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+69.8%

County-wide market — the widest, slowest signal.

Pinellas+69.8%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$122

Price-to-income5.7×

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How 33764 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity78%

Supply tightness47%

Affordability27%

Investment yield56%

Appreciation69%

Affordability, supply & momentum

35SUPPLY

BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply29.1 mo

Days on Market48d

Inv vs History-18.1%

Listing Density11.6/1k

Affordability — payment burden

Monthly payment (P&I)$1,936

Payment burden36%

Median income · ZIP$64,573

Mortgage rate6.71% · 30yr

Total monthly own$2,311

Monthly rent$2,118

Market dynamics

Price cut %30.7%

Momentumcooling

LeverageBUYER ADVANTAGE

Months of supply29.1

Sales (90d)0

Investment analysis

Median rent$2,118

Price-to-rent14.6

Est. cap rate4.5%

Buy vs rentfavors buying

Livability

Walk score8

Transit score3

Bike score—

Historical trends

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Price bandsmix-shift

Price Bands — the median behind the median

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 +12.9% YoY in this ZIP, but the under-$500k tier is +6.0% — both the aggregate and the entry tier are rising. Over the same year the under-$500k share of sales moved from 78.0% to 78.7% (+0.7pp) and the $1M+ share from 2.0% to 2.3% (+0.3pp).

Current tiers · 12 months to Aug 25floor 10 sales/tier

2 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$140k	$148	333	36.9%	ZIP
$250k–$500k	$400k	$235	378	41.9%	ZIP
$500k–$750k	$570k	$263	154	17.1%	ZIP
$750k–$1M	$820k	$261	17	1.9%	ZIP
$1M–$1.5M	$1.15M	$272	15	1.7%	ZIP
$1.5M–$2M	$1.68M	$548	588	—	COUNTY · Pinellas, FL
$2M+	$2.70M	$667	685	—	COUNTY · Pinellas, FL
All sales (the headline median)	$350k	$224	903	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
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 33764.

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.

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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.

ZIP 33764→Pinellas County, FL

12-Month Direction

-10Stable

Confidence

100%

DeterioratingStableImproving

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.

Payment Burden46

32.6%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent45

1.32x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation6

+69.8%

overvalued

Source: Lotvox comps · Updated 2026-05-15