Dunedin 34698

Pinellas County, FL · 35,708 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

39affordability /100

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

Payment burden
37.1%
severe
Days on market
49
daily
Price cuts
32.8%
of active
Valuation
-7.8%
vs assessor
Look up an address
37
/100
Weak
stable · seller slight · prices easing year-over-year.
Supply / demand
30
Price trend
35
Affordability
25
Valuation
70
Economic health
39

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

56/ 100SellerBalancedBuyer
Balanced Market
Needs 19.1% correction for affordability
DOM: 55d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
Valuation Gap (25%)25
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)60

Balanced market in 34698. List price is roughly fair — focus on condition and value. Payment burden: 37.2% of median income. A 6% price correction needed to reach 30% affordability threshold. Median days on market: 55. Renting is approximately 36% cheaper than buying (price-to-rent ratio: 16.3).

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

Market is holding steady with balanced conditions. Sellers hold a slight edge. Prices down 1.1% YoY.

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Market snapshoteach number, once

Median price
$412,221
▾ 1.1% YoY
Days on market
49
daily · zip_data
Median rent
$2,109
ZORI
Investor score
60/100
cash-flow lens
Active listings
247
90-day

Valuation3 lenses, different anchors

vs assessor
-7.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$380,012
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$134
Price-to-income6.1×

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How 34698 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity77%
Supply tightness60%
Affordability20%
Investment yield41%
Appreciation63%

Affordability, supply & momentum

32SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply21.1 mo
Days on Market49d
Inv vs History-16.3%
Listing Density13.7/1k
Affordability — payment burden
Monthly payment (P&I)$2,082
Payment burden37.1%
Median income · ZIP$67,323
Mortgage rate6.49% · 30yr
Total monthly own$2,494
Monthly rent$2,109
Market dynamics
Price cut %32.8%
Momentumstable
LeverageSELLER SLIGHT
Months of supply21.1
Sales (90d)35
Investment analysis
Median rent$2,109
Price-to-rent16.3
Est. cap rate4.0%
Buy vs rentneutral

Livability

Walk score3
Transit score2
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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