34685 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 34685 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$447,500
Days to Sell
29
Homes Sold
76
Inventory
76
Sale-to-List
97.2%
New Listings
102
Price/SqFt
$240
Pending Sales
90
Conforming Loan Available
Most homebuyers in 34685 can comfortably use conventional financing. The median home price of $447,500 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
Homes in 34685 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 34685 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 34685 can comfortably use conventional financing. The median home price of $447,500 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 34685 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 34685
To purchase the median home at $447,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,579.
Monthly Payment
$3,579
Income Required
$153,369
Principal & Interest
$2,757/mo
Down Payment (5%)
$22,375
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 34685.
Estimated Monthly Payment
$2,919
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