Safety Harbor 34695

Pinellas County, FL · 15,371 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

48affordability /100

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

Payment burden
31.6%
stretched
Days on market
42
daily
Price cuts
31.9%
of active
Valuation
-15.6%
vs assessor
Look up an address
54
/100
Mixed
stable · balanced · prices easing year-over-year.
Supply / demand
68
Price trend
35
Affordability
65
Valuation
50
Economic health
48

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

51/ 100SellerBalancedBuyer
Balanced Market
Needs 5.1% correction for affordability
DOM: 66d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)40
Supply & Demand (20%)85
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)75

Balanced market in 34695. List price is roughly fair — focus on condition and value. Payment burden: 31.7% of median income. Median days on market: 66. Renting is approximately 47% cheaper than buying (price-to-rent ratio: 17.7).

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

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$501,669
▾ 0.9% YoY
Days on market
42
daily · zip_data
Median rent
$2,357
ZORI
Investor score
57/100
cash-flow lens
Active listings
63
90-day

Valuation3 lenses, different anchors

vs assessor
-15.6%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$423,397
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$133
Price-to-income5.2×

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How 34695 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity84%
Supply tightness58%
Affordability41%
Investment yield32%
Appreciation66%

Affordability, supply & momentum

42SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply10.9 mo
Days on Market42d
Inv vs History-17.2%
Listing Density8.7/1k
Affordability — payment burden
Monthly payment (P&I)$2,534
Payment burden31.6%
Median income · ZIP$96,138
Mortgage rate6.49% · 30yr
Total monthly own$3,036
Monthly rent$2,357
Market dynamics
Price cut %31.9%
Momentumstable
LeverageBALANCED
Months of supply10.9
Sales (90d)14
Investment analysis
Median rent$2,357
Price-to-rent17.7
Est. cap rate3.7%
Buy vs rentneutral

Livability

Walk score6
Transit score1
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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