33565 — Hillsborough County, Florida Market Snapshot
Housing market data for zip code 33565 in Hillsborough County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
89 sales in 2026 (year to date)
Median Sale Price
$407,990
Days to Sell
55
Homes Sold
89
Inventory
88
Sale-to-List
99.5%
New Listings
97
Price/SqFt
$193
Pending Sales
88
Conforming Loan Available
Most homebuyers in 33565 can comfortably use conventional financing. The median home price of $407,990 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
33565's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 33565 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33565 can comfortably use conventional financing. The median home price of $407,990 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 33565 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 33565
To purchase the median home at $407,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,276.
Monthly Payment
$3,276
Income Required
$140,395
Principal & Interest
$2,514/mo
Down Payment (5%)
$20,400
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 33565.
Estimated Monthly Payment
$2,675
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