33605 — Hillsborough County, Florida Market Snapshot
Housing market data for zip code 33605 in Hillsborough County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$218,750
Days to Sell
37
Homes Sold
10
Inventory
12
Sale-to-List
94.6%
New Listings
16
Price/SqFt
$220
Pending Sales
10
Conforming Loan Available
Most homebuyers in 33605 can comfortably use conventional financing. The median home price of $218,750 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
33605's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33605 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33605 can comfortably use conventional financing. The median home price of $218,750 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 33605 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 33605
To purchase the median home at $218,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,826.
Monthly Payment
$1,826
Income Required
$78,257
Principal & Interest
$1,348/mo
Down Payment (5%)
$10,938
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 33605.
Estimated Monthly Payment
$1,504
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