33782 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 33782 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$195,950
Days to Sell
35
Homes Sold
14
Inventory
19
Sale-to-List
93.6%
New Listings
18
Price/SqFt
$148
Pending Sales
18
Conforming Loan Available
Most homebuyers in 33782 can comfortably use conventional financing. The median home price of $195,950 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
33782's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33782 sells for 6.4% below asking price (93.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33782 can comfortably use conventional financing. The median home price of $195,950 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 33782 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 33782
To purchase the median home at $195,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,651.
Monthly Payment
$1,651
Income Required
$70,770
Principal & Interest
$1,207/mo
Down Payment (5%)
$9,798
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 33782.
Estimated Monthly Payment
$1,363
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