34689 — Pinellas County, Florida Market Snapshot
Housing market data for zip code 34689 in Pinellas County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
145 sales in 2026 (year to date)
Median Sale Price
$395,000
Days to Sell
54
Homes Sold
145
Inventory
188
Sale-to-List
96.7%
New Listings
168
Price/SqFt
$240
Pending Sales
176
Conforming Loan Available
Most homebuyers in 34689 can comfortably use conventional financing. The median home price of $395,000 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
34689's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34689 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34689 can comfortably use conventional financing. The median home price of $395,000 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 34689 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 34689
To purchase the median home at $395,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,176.
Monthly Payment
$3,176
Income Required
$136,130
Principal & Interest
$2,434/mo
Down Payment (5%)
$19,750
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 34689.
Estimated Monthly Payment
$2,595
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