33776 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 33776 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
70 sales in 2026 (year to date)
Median Sale Price
$557,500
Days to Sell
44
Homes Sold
70
Inventory
66
Sale-to-List
97.2%
New Listings
82
Price/SqFt
$298
Pending Sales
71
Conforming Loan Available
Most homebuyers in 33776 can comfortably use conventional financing. The median home price of $557,500 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
33776's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33776 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33776 can comfortably use conventional financing. The median home price of $557,500 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 33776 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 33776
To purchase the median home at $557,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,421.
Monthly Payment
$4,421
Income Required
$189,488
Principal & Interest
$3,435/mo
Down Payment (5%)
$27,875
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 33776.
Estimated Monthly Payment
$3,600
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