33706 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 33706 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$850,000
Days to Sell
87
Homes Sold
83
Inventory
125
Sale-to-List
94.1%
New Listings
75
Price/SqFt
$496
Pending Sales
85
Jumbo Loan Likely Needed
The median home in 33706 at $850,000 exceeds the 2026 conforming loan limit of $832,750 by $17,250. 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
With homes sitting for 87 days on average, 33706 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
The average home in 33706 sells for 5.9% below asking price (94.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33706 at $850,000 exceeds the 2026 conforming loan limit of $832,750 by $17,250. 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 33706 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 33706
To purchase the median home at $850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,662.
Monthly Payment
$6,662
Income Required
$285,533
Principal & Interest
$5,237/mo
Down Payment (5%)
$42,500
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 33706.
Estimated Monthly Payment
$5,410
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