Tarpon Springs 34689

Pinellas County, FL · 25,034 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

45affordability /100

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

Payment burden

34.5%

stretched

Days on market

daily

Price cuts

29.8%

of active

Valuation

-12.6%

vs assessor

Look up an address

/100

Mixed

cooling · balanced · 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 13% 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.

COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 1.4% YoY.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/34689" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Tarpon Springs 34689 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/tampa/zip/34689?utm_source=embed&utm_medium=backlink">Tarpon Springs 34689 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$370,477

▾ 1.4% YoY

Days on market

daily · zip_data

Median rent

$1,955

ZORI

Investor score

65/100

cash-flow lens

Active listings

188

90-day

Valuation3 lenses, different anchors

vs assessor

-12.6%

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

+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-income5.5×

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How 34689 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity69%

Supply tightness0%

Affordability33%

Investment yield60%

Appreciation40%

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-21.3%

Listing Density15.5/1k

Affordability — payment burden

Monthly payment (P&I)$1,914

Payment burden34.5%

Median income · ZIP$66,523

Mortgage rate6.71% · 30yr

Total monthly own$2,285

Monthly rent$1,955

Market dynamics

Price cut %29.8%

Momentumcooling

LeverageBALANCED

Months of supply29.7

Sales (90d)0

Investment analysis

Median rent$1,955

Price-to-rent14.2

Est. cap rate4.6%

Buy vs rentneutral

Livability

Walk score3

Transit score—

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 -3.8% YoY in this ZIP, but the under-$500k tier is +2.3% — the aggregate is falling while the entry tier rises. Over the same year the under-$500k share of sales moved from 69.3% to 73.9% (+4.7pp) and the $1M+ share from 4.0% to 4.1% (+0.2pp).

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

2 tiers 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	$160k	$163	207	22.0%	ZIP
$250k–$500k	$370k	$230	488	51.9%	ZIP
$500k–$750k	$580k	$258	170	18.1%	ZIP
$750k–$1M	$850k	$302	36	3.8%	ZIP
$1M–$1.5M	$1.24M	$338	27	2.9%	ZIP
$1.5M–$2M	$1.68M	$548	588	—	COUNTY · Pinellas, FL
$2M+	$2.70M	$667	685	—	COUNTY · Pinellas, FL
All sales (the headline median)	$380k	$230	940	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 34689.

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 34689→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