Palm Harbor 34683

Pinellas County, FL · 28,788 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

50affordability /100

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

Payment burden

32.2%

stretched

Days on market

daily

Price cuts

30.3%

of active

Valuation

-9.9%

vs assessor

Look up an address

/100

Mixed

cooling · seller slight · prices easing 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 6.8% correction for affordability

DOM: 66d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)50

Valuation Gap (25%)25

Supply & Demand (20%)100

Buy vs Rent (15%)75

Cancellation Rate (10%)0

Days on Market (5%)75

Balanced market in 34683. List price is roughly fair — focus on condition and value. Payment burden: 30.7% of median income. Median days on market: 66. Renting is approximately 72% cheaper than buying (price-to-rent ratio: 20.6).

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

COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/34683" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Palm Harbor 34683 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/tampa/zip/34683?utm_source=embed&utm_medium=backlink">Palm Harbor 34683 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$467,524

▾ 0.4% YoY

Days on market

daily · zip_data

Median rent

$1,905

ZORI

Investor score

44/100

cash-flow lens

Active listings

224

90-day

Valuation3 lenses, different anchors

vs assessor

-9.9%

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

Avg assessor$421,128

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$132

Price-to-income5.0×

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How 34683 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity72%

Supply tightness50%

Affordability47%

Investment yield21%

Appreciation56%

Affordability, supply & momentum

28SUPPLY

BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply22.3 mo

Days on Market52d

Inv vs History-10.2%

Listing Density16.2/1k

Affordability — payment burden

Monthly payment (P&I)$2,416

Payment burden32.2%

Median income · ZIP$90,037

Mortgage rate6.71% · 30yr

Total monthly own$2,883

Monthly rent$1,905

Market dynamics

Price cut %30.3%

Momentumcooling

LeverageSELLER SLIGHT

Months of supply22.3

Sales (90d)0

Investment analysis

Median rent$1,905

Price-to-rent20.6

Est. cap rate3.2%

Buy vs rentfavors renting

Livability

Walk score2

Transit score1

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 -3.3% YoY in this ZIP, but the under-$500k tier is +6.5% — the aggregate is falling while the entry tier rises. Over the same year the under-$500k share of sales moved from 52.2% to 55.8% (+3.6pp) and the $1M+ share from 7.9% to 6.4% (-1.5pp).

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

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$193k	$196	157	14.6%	ZIP
$250k–$500k	$390k	$250	444	41.2%	ZIP
$500k–$750k	$600k	$267	301	27.9%	ZIP
$750k–$1M	$825k	$288	107	9.9%	ZIP
$1M–$1.5M	$1.22M	$351	47	4.4%	ZIP
$1.5M–$2M	$1.55M	$373	10	0.9%	ZIP
$2M+	$2.54M	$430	12	1.1%	ZIP
All sales (the headline median)	$464k	$257	1,078	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
$1M–$1.5M
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 34683.

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 34683→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