Clearwater 33764

Pinellas County, FL · 20,876 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

43affordability /100

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

Payment burden
34.8%
stretched
Days on market
48
daily
Price cuts
28.5%
of active
Valuation
-19.5%
vs assessor
Look up an address
36
/100
Weak
cooling · balanced · prices easing year-over-year.
Supply / demand
16
Price trend
35
Affordability
45
Valuation
50
Economic health
43

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

50/ 100SellerBalancedBuyer
Balanced Market
Needs 13.8% 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: 34.8% 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.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 2.0% YoY.

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Market snapshoteach number, once

Median price
$370,407
▾ 2.0% YoY
Days on market
48
daily · zip_data
Median rent
$2,115
ZORI
Investor score
66/100
cash-flow lens
Active listings
145
90-day

Valuation3 lenses, different anchors

vs assessor
-19.5%
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
+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$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 yield57%
Appreciation45%

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-17.3%
Listing Density11.6/1k
Affordability — payment burden
Monthly payment (P&I)$1,871
Payment burden34.8%
Median income · ZIP$64,573
Mortgage rate6.49% · 30yr
Total monthly own$2,241
Monthly rent$2,115
Market dynamics
Price cut %28.5%
Momentumcooling
LeverageBALANCED
Months of supply29.1
Sales (90d)25
Investment analysis
Median rent$2,115
Price-to-rent14.6
Est. cap rate4.5%
Buy vs rentfavors buying

Livability

Walk score8
Transit score3
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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