Send my situationA short note is enoughStart my application
New BuyersFind My Loan quizHome buying guideFirst time buyer benefitsPrequalification vs preapprovalFHA loansVA loansUSDA loansHomeReady and Home PossibleFlorida down payment helpTrue cost of a mortgageCash to closeFlorida homestead exemptionFHA readiness quizConventional or FHA quiz
InvestorsInvestor loans overviewDSCR loansVacation rental loansConventional investment loansHow to calculate DSCRAll calculatorsRental property calculatorDSCR calculatorAirbnb break even calculatorRunning the numbers on a rentalDSCR and alternative financingReal estate investing guidesConstruction loansSelf employed borrowersNon QM loans
Loan ProgramsAll loan programsConventional loansFHA loansVA loansUSDA loansJumbo loansDSCR and investor loansNo tax return loansForeign national loansVA vs FHA vs USDAFHA vs conventionalMortgage insurance and feesGift fundsBank statement and alternative incomeVA funding feeVA IRRRL refinanceVA loan denied?Refinance and HELOCCash out refinance requirements
FloridaFlorida guidesCentral Florida marketsFlorida homesteadFHA loan limits by countyUSDA eligible areasCondo financingHome insurance and inspectionsProperty researchTitle and ownershipVeteran property tax benefitsFlorida short term rental rulesVacation rental loansRental taxes and CDD feesRental insurance requirements
LearnHow underwriting worksAutomated underwritingLender overlaysUnderwriting conditionsQualifying for a mortgageRates and pricingDown payment and cashPreapproval to closingOwning your mortgageHome equityQuestions answeredAll guidesCalculators and toolsAbout DaneContact
About DaneA to Z index
Send my situationStart my application
PINELLAS COUNTY
Tampa Bay · City guide

Pinellas Park, Florida: Homebuying and Investing Guide

Typical Pinellas Park house value today: about $317,000, about flat over the past year.

Illustration: Homes in Pinellas Park
Illustration

Pinellas Park today

Typical house value$317,000Zillow single family home value, Sep 2026
Change, past 12 months0%Florida −0.9%
Average home insurance$4,063/yrState average with wind, by county

What this means

Twelve month change in Pinellas Park: 0%, essentially flat, now 9.2% below the Apr 2024 peak.

$148k$243k$339k$434k201620182020202220242026
Pinellas Park Florida. Zillow Home Value Index (single family), March and September of each year. Typical house value in Pinellas Park: $152,520 in Mar 2016, $316,760 in Sep 2026; Florida $204,709 to $396,809.

Treat these as area figures and confirm rent with comps. Sources and method: how these figures are built.

Quick facts

Pinellas Parkvs Pinellas Countyvs Florida
Population52,295 (2025 estimate)
Growth since 2020-1.5%-0.4 pts-10.4 pts
Median home value$278,90021% lower22% lower
Median gross rent$1,6311% lower2% lower
Median household income$63,43213% lower15% lower
Owner occupied homes69%-0.5 pts+1.4 pts
Residents 65 and older22.5%-3.9 pts+1.2 pts
Average commute (minutes)2211% lower20% lower
Homes built 2010 or later8.1%+2.3 pts-6.1 pts
Median property tax paid$1,76329% lower35% lower

Census survey figures are 2020 to 2024 averages; methods.

Living in Pinellas Park

Central Pinellas city settled in 1911 and incorporated in 1914 on flat, low ground.

As an incorporated city, Pinellas Park sets its own zoning inside Pinellas County.

Known for: Tampa Bay Automobile Museum; Lockheed Martin facility; Armed Forces Reserve Center

Getting around and growth: US 19 and an Interstate 275 exit serve the city.

Against the Pinellas County averages, the median value of $278,900 is below the county's $355,100; less of the housing is in apartment and condo buildings (19.4% vs 30.1%); fewer homes are seasonal or vacation homes (5.5% vs 9.2%) and household incomes are lower ($63,432 vs $72,646).

Closest matches on price and rent: Hallandale Beach ($279,100, $1,653), Palm Bay ($283,200, $1,601), Lauderhill ($272,900, $1,684).

Growth and housing

Pinellas Park changed -1.5% in population from 2020 to 2025 (county -1.1%, Florida 8.9%).

2025 building permitsPinellas Park
Single family52
5 or more units0
Total units52
Per 1,000 residents1.0

The typical home here was built around 1978. The housing mix is 52.4% detached houses and 19.4% larger buildings. Households average 2.38 people.

Out of state arrivals: 2.5% of residents a year, versus 3.3% countywide.

Risks to price in

Risk itemDetail
County average homeowners insurance with wind$4,063 a year
Coastal countycheck flood zone and elevation per address

Older homes (56.7% built before 1980) draw insurer questions about roofs and wiring. Inspections

Manufactured homes are 15.3% of housing. Manufactured home loans

Flood, storms and jobs

Flood premiums in Pinellas Park get a 25% discount in high risk zones because the city holds CRS class 5. Since 2000, flood insurance has paid $14,691,288 on 423 claims inside Pinellas Park. 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 Pinellas Park

2026 loan limits (county)Amount
FHA, one unit$541,287
Conforming, one unit$832,750
Median home value here$278,900

Price to income: 4.4x, compared with 4.9x for the county.

  • Conventional: the default for buyers with solid credit and 5% or more down.
  • FHA: the Pinellas Park median of $278,900 fits under the $541,287 limit.

Investing in Pinellas Park

Long term rentals

Pinellas Parkvs Pinellas County
Renter occupied homes31%+0.5 pts
Rental vacancy6.8%-2.3 pts
Rent as share of renter income35.9%+0.9 pts

Short term rentals

Seasonal and vacation homes: 5.5% of the stock, against 9.2% countywide.

Short term rental taxesRate
County tourist development tax6%
State sales tax6% plus any county surtax

Check the address against local zoning and the HOA documents first. State rules

Property types

Housing stockShare
Single family detached52.4%
Buildings with 5+ units19.4%
Manufactured homes15.3%

Nearby

Other Florida markets

Sources

  1. U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
  2. U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
  3. U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
  4. FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
  5. LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
  6. Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
  7. Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
  8. Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
  9. Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
  10. Wikipedia: List of counties in Florida. checked October 2026.
  11. U.S. Census Bureau county adjacency file. 2024.
  12. Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
  13. Wikipedia article for this place (history, setting, roads). checked October 2026.
  14. Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
  15. Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
  16. U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
  17. FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
  18. FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
  19. FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
  20. FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
  21. U.S. Census Bureau, County Business Patterns 2023. 2023.
  22. U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
  23. 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.

Talk it through with Dane.

You do not need to be ready to apply. Send the property, the question or the plan, and I will tell you what I see.