Clearwater 33765

Pinellas County, FL · 7,693 properties · updated 7/5/2026

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
34.3%
stretched
Days on market
63
daily
Price cuts
27.1%
of active
Valuation
-14.2%
vs assessor
Look up an address
38
/100
Weak
cooling · buyer advantage · prices easing year-over-year.
Supply / demand
40
Price trend
9
Affordability
45
Valuation
70
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

47/ 100SellerBalancedBuyer
Balanced Market
Needs 12.5% correction for affordability
DOM: 43d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)25
Days on Market (5%)40

Balanced market in 33765. List price is roughly fair — focus on condition and value. Payment burden: 34.3% of median income. Median days on market: 43. Renting is approximately 45% cheaper than buying (price-to-rent ratio: 17.4).

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. Prices down 3.2% YoY.

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Market snapshoteach number, once

Median price
$350,190
▾ 3.2% YoY
Days on market
63
daily · zip_data
Median rent
$1,680
ZORI
Investor score
51/100
cash-flow lens
Active listings
41
90-day

Valuation3 lenses, different anchors

vs assessor
-14.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$300,366
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$108
Price-to-income5.7×

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How 33765 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity56%
Supply tightness66%
Affordability27%
Investment yield32%
Appreciation28%

Affordability, supply & momentum

32SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply17.3 mo
Days on Market63d
Inv vs History-12.5%
Listing Density6.6/1k
Affordability — payment burden
Monthly payment (P&I)$1,769
Payment burden34.3%
Median income · ZIP$61,910
Mortgage rate6.49% · 30yr
Total monthly own$2,119
Monthly rent$1,680
Market dynamics
Price cut %27.1%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply17.3
Sales (90d)6
Investment analysis
Median rent$1,680
Price-to-rent17.4
Est. cap rate3.7%
Buy vs rentneutral

Livability

Walk score10
Transit score1
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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