34683 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 34683 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
187 sales in 2026 (year to date)
Median Sale Price
$435,000
Days to Sell
52
Homes Sold
187
Inventory
224
Sale-to-List
96.5%
New Listings
250
Price/SqFt
$271
Pending Sales
202
Conforming Loan Available
Most homebuyers in 34683 can comfortably use conventional financing. The median home price of $435,000 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
34683's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34683 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34683 can comfortably use conventional financing. The median home price of $435,000 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 34683 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 34683
To purchase the median home at $435,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,483.
Monthly Payment
$3,483
Income Required
$149,264
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,750
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 34683.
Estimated Monthly Payment
$2,842
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