Dunedin today
What this means
Home values here climbed 2.7% in a year.
Rents are area estimates; check comps for the exact house. Sources and method: how these figures are built.
Quick facts
| Dunedin | vs Pinellas County | vs Florida | |
|---|---|---|---|
| Population | 35,227 (2025 estimate) | ||
| Growth since 2020 | -2.6% | -1.5 pts | -11.5 pts |
| Median home value | $396,000 | 12% higher | 10% higher |
| Median gross rent | $1,675 | 2% higher | about the same |
| Median household income | $74,477 | 3% higher | about the same |
| Owner occupied homes | 71.1% | +1.6 pts | +3.5 pts |
| Residents 65 and older | 35.3% | +8.9 pts | +14.0 pts |
| Average commute (minutes) | 25 | 1% lower | 11% lower |
| Homes built 2010 or later | 5.3% | -0.5 pts | -8.9 pts |
| Median property tax paid | $2,456 | 1% lower | 10% lower |
Census survey figures are 2020 to 2024 averages; methods.
Living in Dunedin
Pinellas Gulf coast city with Scottish roots, settled in 1850 and a city since 1926, known for its open waterfront.
As an incorporated city, Dunedin sets its own zoning inside Pinellas County.
Known for: Caladesi Island State Park; TD Ballpark (Blue Jays spring training); Pinellas Trail downtown
Development and roads: US 19 Alternate connects it north and south.
Against the Pinellas County averages, the population is older (35.3% age 65 or older vs 26.4%); more homes are seasonal or vacation homes (12.4% vs 9.2%); homes are pricier than the county median ($396,000 vs $355,100) and households are smaller (2.03 vs 2.20 people).
If you like the numbers here, also look at Hialeah ($392,000, $1,689), New Smyrna Beach ($395,300, $1,712), Homestead ($380,000, $1,674).
Growth and housing
Dunedin changed -2.6% in population from 2020 to 2025 (county -1.1%, Florida 8.9%).
| 2025 building permits | Dunedin |
|---|---|
| Single family | 25 |
| 5 or more units | 0 |
| Total units | 25 |
| Per 1,000 residents | 0.7 |
The typical home here was built around 1976. The housing mix is 45.3% detached houses and 28.6% larger buildings. Average household size is 2.03.
More newcomers from out of state than the county average (3.7% vs 3.3%).
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $4,063 a year |
| Coastal county | check flood zone and elevation per address |
Older homes (61.2% built before 1980) draw insurer questions about roofs and wiring. Inspections
16.7% of homes are in buildings of 20 or more units; condo reserves and inspections decide financing. Condo financing
Flood, storms and jobs
The city earned Community Rating System class 5; federal flood policies in its high risk zones cost 25% less. 966 flood claims ($114,318,199) have come from Dunedin since 2000. Countywide, 1.2% of homes sit in a FEMA high risk zone; the Pinellas County guide has the full flood, storm and jobs picture.
Buying a home in Dunedin
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $396,000 |
Homes cost 5.3 times median household income here (Pinellas County 4.9, Florida 4.8).
- Conventional: mortgage insurance drops off as equity builds.
- FHA: $145,287 of room between the median home and the FHA limit.
- VA: veterans are 9.4% of adults.
Investing in Dunedin
Long term rentals
| Dunedin | vs Pinellas County | |
|---|---|---|
| Renter occupied homes | 28.9% | -1.6 pts |
| Rental vacancy | 5.9% | -3.2 pts |
| Rent as share of renter income | 34.6% | -0.4 pts |
Short term rentals
Seasonal and vacation homes: 12.4% of the stock, against 9.2% countywide.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| State sales tax | 6% plus any county surtax |
Check the address against local zoning and the HOA documents first. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 45.3% |
| Buildings with 5+ units | 28.6% |
| Manufactured homes | 11% |
Nearby
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Wikipedia article for this place (history, setting, roads). checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.