Tarpon Springs 34689

Pinellas County, FL · 25,034 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

45affordability /100

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

Payment burden
33.6%
stretched
Days on market
54
daily
Price cuts
33.0%
of active
Valuation
-12.2%
vs assessor
Look up an address
32
/100
Weak
cooling · seller slight · prices easing year-over-year.
Supply / demand
15
Price trend
8
Affordability
45
Valuation
70
Economic health
45

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

52/ 100SellerBalancedBuyer
Balanced Market
Needs 10.7% correction for affordability
DOM: 98d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)25
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)50
Days on Market (5%)100

Balanced market in 34689. List price is roughly fair — focus on condition and value. Payment burden: 33.6% of median income. Median days on market: 98. Renting is approximately 18% cheaper than buying (price-to-rent ratio: 14.2).

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. Prices down 3.4% YoY.

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Market snapshoteach number, once

Median price
$368,673
▾ 3.4% YoY
Days on market
54
daily · zip_data
Median rent
$2,159
ZORI
Investor score
65/100
cash-flow lens
Active listings
188
90-day

Valuation3 lenses, different anchors

vs assessor
-12.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$323,879
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$132
Price-to-income5.5×

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How 34689 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity70%
Supply tightness0%
Affordability33%
Investment yield60%
Appreciation26%

Affordability, supply & momentum

30SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply29.7 mo
Days on Market54d
Inv vs History-19.8%
Listing Density15.5/1k
Affordability — payment burden
Monthly payment (P&I)$1,862
Payment burden33.6%
Median income · ZIP$66,523
Mortgage rate6.49% · 30yr
Total monthly own$2,231
Monthly rent$2,159
Market dynamics
Price cut %33.0%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply29.7
Sales (90d)26
Investment analysis
Median rent$2,159
Price-to-rent14.2
Est. cap rate4.6%
Buy vs rentfavors buying

Livability

Walk score3
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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