33540 — Hillsborough County, Florida Market Snapshot
Housing market data for zip code 33540 in Hillsborough County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$349,990
Days to Sell
97
Homes Sold
57
Inventory
59
Sale-to-List
98.2%
New Listings
52
Price/SqFt
$176
Pending Sales
62
Conforming Loan Available
Most homebuyers in 33540 can comfortably use conventional financing. The median home price of $349,990 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 97 days on average, 33540 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 33540 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33540 can comfortably use conventional financing. The median home price of $349,990 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 33540 are set at the county level.
2026 Loan Limits — Hillsborough County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 33540
To purchase the median home at $349,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,351
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 33540.
Estimated Monthly Payment
$2,316
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