Treasure Island today
What this means
Home values here climbed 1.5% in a year.
Permits January to September 2026: 35 homes, 250% more than 2025.
Treat these as area figures and confirm rent with comps. Sources and method: how these figures are built.
Quick facts
| Treasure Island | vs Pinellas County | vs Florida | |
|---|---|---|---|
| Population | 6,397 (2025 estimate) | ||
| Growth since 2020 | -2.8% | -1.7 pts | -11.7 pts |
| Median home value | $621,600 | 75% higher | 73% higher |
| Median gross rent | $1,631 | 1% lower | 2% lower |
| Median household income | $87,107 | 20% higher | 17% higher |
| Owner occupied homes | 74.4% | +4.9 pts | +6.8 pts |
| Residents 65 and older | 43.4% | +17.0 pts | +22.1 pts |
| Average commute (minutes) | 32 | 26% higher | 14% higher |
| Homes built 2010 or later | 3% | -2.8 pts | -11.2 pts |
| Median property tax paid | $5,183 | 109% higher | 90% higher |
Census survey figures are 2020 to 2024 averages; methods.
Living in Treasure Island
Pinellas barrier island city on the Gulf, incorporated in 1955 and largely built on dredged fill after World War II.
Treasure Island is a city with its own government, located in Pinellas County.
Known for: John's Pass; Isle of Palms; Isle of Capri
Development and roads: Homes and hotels went up quickly in the 1950s along Boca Ciega Bay.
Compared with Pinellas County as a whole, homes are pricier than the county median ($621,600 vs $355,100); more homes are seasonal or vacation homes (28.8% vs 9.2%); the population is older (43.4% age 65 or older vs 26.4%) and households are smaller (1.70 vs 2.20 people).
If you like the numbers here, also look at St. Augustine Beach ($634,400, $1,807), Fort Myers Beach ($642,400, $1,836), Marathon ($725,800, $1,633).
Growth and housing
Population went from 6,578 in 2020 to 6,397 in 2025 (-2.8%), versus -1.1% for Pinellas County.
| 2025 building permits | Treasure Island |
|---|---|
| Single family | 30 |
| 5 or more units | 0 |
| Total units | 32 |
| Per 1,000 residents | 5.0 |
The typical home here was built around 1970. Apartments and condos make up a large share: 43.2% of homes are in buildings of five or more units. Households average 1.70 people.
Out of state arrivals: 3.4% of residents a year, versus 3.3% countywide.
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 |
75.3% of homes predate 1980: expect four point inspections. Inspections
Large buildings hold 21.1% of homes here; read the reserve study before buying a condo. Condo financing
Flood, storms and jobs
The city earned Community Rating System class 6; federal flood policies in its high risk zones cost 20% less. Insured homes in the city filed 2,157 flood claims since 2000, with $284,606,704 paid. 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 Treasure Island
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $621,600 |
Homes cost 7.1 times median household income here (Pinellas County 4.9, Florida 4.8).
- Conventional: mortgage insurance drops off as equity builds.
- VA: veterans are 10.5% of adults.
Investing in Treasure Island
Long term rentals
| Treasure Island | vs Pinellas County | |
|---|---|---|
| Renter occupied homes | 25.6% | -4.9 pts |
| Rental vacancy | 23.8% | +14.7 pts |
| Rent as share of renter income | 32.8% | -2.2 pts |
Short term rentals
With 28.8% of homes kept for seasonal use, Treasure Island is a true vacation market.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| State sales tax | 6% plus any county surtax |
Get the zoning and HOA answer in writing before you count on nightly income. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 35.7% |
| Buildings with 5+ units | 43.2% |
| Manufactured homes | 0.8% |
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.