33778 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 33778 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$372,500
Days to Sell
29
Homes Sold
46
Inventory
44
Sale-to-List
98.7%
New Listings
65
Price/SqFt
$277
Pending Sales
56
Conforming Loan Available
Most homebuyers in 33778 can comfortably use conventional financing. The median home price of $372,500 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 33778 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 33778 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33778 can comfortably use conventional financing. The median home price of $372,500 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 33778 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 33778
To purchase the median home at $372,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,004.
Monthly Payment
$3,004
Income Required
$128,742
Principal & Interest
$2,295/mo
Down Payment (5%)
$18,625
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 33778.
Estimated Monthly Payment
$2,455
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