33598 — Hillsborough County, Florida Market Snapshot
Housing market data for zip code 33598 in Hillsborough County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
162 sales in 2026 (year to date)
Median Sale Price
$357,000
Days to Sell
65
Homes Sold
162
Inventory
253
Sale-to-List
98.6%
New Listings
242
Price/SqFt
$180
Pending Sales
206
Conforming Loan Available
Most homebuyers in 33598 can comfortably use conventional financing. The median home price of $357,000 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
With homes sitting for 65 days on average, 33598 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 33598 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33598 can comfortably use conventional financing. The median home price of $357,000 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 33598 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 33598
To purchase the median home at $357,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,885.
Monthly Payment
$2,885
Income Required
$123,652
Principal & Interest
$2,200/mo
Down Payment (5%)
$17,850
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 33598.
Estimated Monthly Payment
$2,359
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