33703 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 33703 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
157 sales in 2026 (year to date)
Median Sale Price
$486,320
Days to Sell
37
Homes Sold
157
Inventory
163
Sale-to-List
96.6%
New Listings
187
Price/SqFt
$329
Pending Sales
200
Conforming Loan Available
Most homebuyers in 33703 can comfortably use conventional financing. The median home price of $486,320 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
33703'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 33703 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33703 can comfortably use conventional financing. The median home price of $486,320 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 33703 are set at the county level.
2026 Loan Limits — Pinellas 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 33703
To purchase the median home at $486,320 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,876.
Monthly Payment
$3,876
Income Required
$166,116
Principal & Interest
$2,997/mo
Down Payment (5%)
$24,316
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 33703.
Estimated Monthly Payment
$3,160
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