Belleair Beach 33786

Pinellas County, FL · 2,543 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

36affordability /100

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

Payment burden
39%
severe
Days on market
89
daily
Price cuts
38.0%
of active
Valuation
-19.7%
vs assessor
Look up an address
20
/100
Weak
cooling · buyer advantage · prices easing year-over-year.
Supply / demand
5
Price trend
5
Affordability
25
Valuation
50
Economic health
36

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

53/ 100SellerBalancedBuyer
Balanced Market
Needs 23.1% correction for affordability
DOM: 32d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
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 33786. List price is roughly fair — focus on condition and value. Payment burden: 39.0% of median income. A 10% price correction needed to reach 30% affordability threshold. Median days on market: 32. Renting is approximately 28% cheaper than buying (price-to-rent ratio: 15.3).

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 3.8% YoY.

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Market snapshoteach number, once

Median price
$902,314
▾ 3.8% YoY
Days on market
89
daily · zip_data
Median rent
$4,900
ZORI
Investor score
59/100
cash-flow lens
Active listings
35
90-day

Valuation3 lenses, different anchors

vs assessor
-19.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$724,772
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$285
Price-to-income6.4×

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How 33786 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity25%
Supply tightness70%
Affordability16%
Investment yield48%
Appreciation21%

Affordability, supply & momentum

10SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply91.2 mo
Days on Market89d
Inv vs History-0.3%
Listing Density49.4/1k
Affordability — payment burden
Monthly payment (P&I)$4,558
Payment burden39%
Median income · ZIP$140,417
Mortgage rate6.49% · 30yr
Total monthly own$5,460
Monthly rent$4,900
Market dynamics
Price cut %38.0%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply91.2
Sales (90d)5
Investment analysis
Median rent$4,900
Price-to-rent15.3
Est. cap rate4.2%
Buy vs rentneutral

Livability

Walk score2
Transit score
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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