Pinellas County, FL · 11,703 properties with county records
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Indian Rocks Beach 33785 is in Pinellas County, FL, part of the Tampa Bay Metro. The typical home value in Indian Rocks Beach 33785 is $710,544 (Zillow Home Value Index, September 2026), down 0.6% from a year earlier. Homes that sold went under contract in a median 68 days, and 24% of listings took a price cut (Redfin Data Center, period ending Sep 30, 2026). On Lotvox's market-leverage reading of that data, with 8 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 33785 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Pinellas County's 47 ZIPs with a Zillow value, the middle one is $358,139, so 33785 sits 98% above the county middle. Typical rent is $2,797 a month (Zillow Observed Rent Index, September 2026). Lotvox holds county assessor records for 11,703 properties in 33785.
Headline value data through September 2026. Each source below carries its own date.
Is 33785 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Sep 30, 2026, 33785 is a balanced market. Homes went under contract in a median 68 days with 8 months of supply.
What do homes in 33785 sell for?
The typical home value in 33785 is $710,544 (Zillow Home Value Index, September 2026), down 0.6% in a year. County records put the median at about $307 per square foot (computed Jul 26, 2026).
Who is likely to sell in 33785?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 33785 has not passed that test yet. When it does, the score appears here.
How does 33785 compare to Pinellas County?
33785's typical value of $710,544 compares with a middle value of $358,139 across Pinellas County's 47 ZIPs. Both are Zillow Home Value Index figures for September 2026.
Where does this 33785 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 33785 Indian Rocks Beach, FL, data through September 2026, https://lotvox.com/tampa/zip/33785
Listings Flow Ladder — 33785
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026
the basin is fillingnet 9 listings/mo
Faucet — new listings
30/mo
86% of normal (34) · trickle
Basin — active listings
167
136% of normal (123) · high· baseline thin
Months of supply
8 mo
derived — not published at this grain
Drain — closed sales
21/mo
71% of normal (30)
Net — faucet minus drain
+9/mo
filling
Reading
current
as of 2026-09-30
Compare against:2015-01-01 to 2019-12-31 · 5 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
46%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
29%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
11/mofall in the monthly rate (34%)— peak 32/mo (2026-06-30) to 21/mo now
270transactions that did not happen— summed monthly shortfall vs the same-month normal, over 24 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-09-30
Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (28 new, 144 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
28affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
47.5%
severe
Days on market
68
daily
Price cuts
24.4%
of active
Valuation
-12.1%
vs assessor
Days on market and price cuts: Redfin Data Center, rolling 90 days.
Rent: Zillow Observed Rent Index (ZORI). Ownership cost: Zillow Home Value Index (ZHVI), 20% down, 30-year loan at the current mortgage rate, plus 1.2% of the price a year.
Rent to price — the investor's question first
21.2×
price to annual rent
Lower is friendlier to a buy-to-let case. This is a ratio of published medians, not a yield on any particular property.
Price: Zillow Home Value Index (ZHVI). Annual rent: 12 months of Zillow Observed Rent Index (ZORI).
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Negotiate Hard
Needs 36.8% correction for affordability
DOM: 87d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)90
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)75
Moderate buyer leverage in 33785. Room to negotiate 5-10% below list. Payment burden: 43.9% of median income. A 20% price correction needed to reach 30% affordability threshold. Median days on market: 87. Renting is approximately 64% cheaper than buying (price-to-rent ratio: 19.7).
What to Offer
Offer 5-10% below list. You have room to negotiate.
Median price: Zillow Home Value Index (ZHVI). Median rent: Zillow Observed Rent Index (ZORI). Days on market and active listings: Redfin Data Center, rolling 90 days.
Valuation
3 lenses, different anchors
vs assessor
-12.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$624,576
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.
in 10,881 · out 12,698 · Pinellas County, FL (parent county of this ZIP)
active inventory
as of 2026-07-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-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 -12.7% YoY in this ZIP, but the under-$500k tier is +3.8% — the aggregate is falling while the entry tier rises. Over the same year the under-$500k share of sales moved from 9.5% to 17.3% (+7.8pp) and the $1M+ share from 39.5% to 32.6% (-6.9pp).
Current tiers · 12 months to Aug 25floor 10 sales/tier
1 tier 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
$170k
$163
8,545
—
COUNTY · Pinellas, FL
$250k–$500k
$425k
$447
61
16.4%
ZIP
$500k–$750k
$615k
$460
112
30.2%
ZIP
$750k–$1M
$875k
$627
74
19.9%
ZIP
$1M–$1.5M
$1.20M
$668
68
18.3%
ZIP
$1.5M–$2M
$1.65M
$808
18
4.9%
ZIP
$2M+
$2.20M
$845
35
9.4%
ZIP
All sales (the headline median)
$770k
$529
371
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.
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$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 33785.
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.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 33785→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 Burden
47.5%
severe
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.32% · Zillow ZHVI · Census income · Updated 2026-10-22
Price-to-rent
21.2x
favors renting
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation6
+69.8%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
8 mo
buyer's market
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-09-30
Insurance Risk
49/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
4.3%
FL 4.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0857d ago
Poverty Rate
11.3%
FL 12.4%US 12.6%
Near national averages
Median Household Income
$70,293
FL $72,373US $82,006
Near national averages
Cost of Living (RPP)
101.2
FL 101.2US 100.3
Near national averages
Home Value (ZHVI)$370,627
County data: Zillow Home Value Index (ZHVI), BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
Typical home value: Zillow Home Value Index (ZHVI); change is the 12-month change.
Owner stock, age of householder
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
18.1% in 2023
of owner-occupied homes have a householder 75 or older
