33704 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 33704 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
123 sales in 2026 (year to date)
Median Sale Price
$979,990
Days to Sell
38
Homes Sold
123
Inventory
107
Sale-to-List
95.9%
New Listings
135
Price/SqFt
$496
Pending Sales
127
Jumbo Loan Likely Needed
The median home in 33704 at $979,990 exceeds the 2026 conforming loan limit of $832,750 by $147,240. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
33704's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33704 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33704 at $979,990 exceeds the 2026 conforming loan limit of $832,750 by $147,240. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 33704 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 33704
To purchase the median home at $979,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,658.
Monthly Payment
$7,658
Income Required
$328,216
Principal & Interest
$6,038/mo
Down Payment (5%)
$49,000
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 33704.
Estimated Monthly Payment
$6,215
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