Where Tampa Bay's $500,000-and-up homes are: owner value by ZIP, 2020-2024

Richard (Ryszard) Cieplechowicz — Fri, 23 Oct 2026 04:57:30 +0000

In the ACS 2020-2024 five-year estimates, the median ZCTA-level share of owner-occupied homes reported in the $500,000-or-higher value bands is 20.2% among the 128 selected areas used below. That is a median of area shares, not the percentage of all Tampa Bay homes above $500,000. The estimates vary widely across the selected ZIP Code Tabulation Areas (ZCTAs) in Hillsborough, Pinellas, Pasco and Hernando counties. They describe owners' estimated values during a survey period, not current asking prices or recorded sales. ZCTAs are Census geographies, not USPS delivery ZIP codes.

The regional picture

Across the 128 ZCTAs with at least 300 estimated owner-occupied units and a usable median value, the median of the ZIP-level median home values is $341,300. County medians of those ZIP medians are close: Hillsborough at $358,550 across 50 ZCTAs, Pinellas at $344,700 across 47, Hernando at $276,800 across 9, and Pasco at $253,650 across 22. The county medians look similar. The ZIP-level spread is anything but.

Where the high-value homes are

The highest estimated median owner-occupied values among those areas:

33786 (Pinellas, Belleair Beach): $1,053,000
33629 (Hillsborough, South Tampa): $851,400
33606 (Hillsborough, Hyde Park/Davis Islands): $845,600
33767 (Pinellas, Clearwater Beach): $757,800
33704 (Pinellas, Old Northeast St. Petersburg): $753,600
33785 (Pinellas, Indian Rocks Beach area): $729,200

The value-band counts provide another view. The largest estimated shares of owner-occupied homes reported in the $500,000-or-higher bands among those areas:

33786 (Pinellas): 89.0%
33629 (Hillsborough): 82.5%
33606 (Hillsborough): 82.0%
34681 (Pinellas): 80.9%
33767 (Pinellas): 75.2%
33785 (Pinellas): 74.1%

These are descriptive estimates for the selected areas, not a precise ranking of neighborhoods. The median of their ZCTA-level $500,000-plus shares is 20.2%; that should not be confused with a region-wide, household-weighted share.

The other end of the map

At the low end, median owner values fall to $126,000 in 33541 (Pasco), $142,800 in 33540, $154,000 in 33542, and $171,100 in 33771 (Pinellas). The gap between the highest and lowest median-value ZCTAs is more than eight to one.

Why the split matters

The county medians above summarize distributions of ZCTA medians. They are not county-wide home-value estimates, and they can hide substantial variation between areas. Value-band counts and a median answer different questions: the bands show how estimated units are distributed across broad ranges, while the median identifies the middle of the estimated value distribution. Neither establishes current prices, recent sales or the value of a particular property.

Read the reported 90% margin of error alongside each median. The derived value-band percentages do not have calculated margins of error in this dataset, so small differences should not be treated as meaningful rank differences. The threshold of 300 estimated owner-occupied units is a study flag, not a guarantee of precision.

Data and method

All figures come from the 2020-2024 ACS five-year estimates (tables B25077 and B25075) for owner-occupied units in the 132 ZCTAs covering the four counties. The comparisons above exclude flagged areas with fewer than 300 estimated owner-occupied units and rows without a usable median. Those rows remain in the full dataset. The selected 132 areas are assigned to these counties by the study geography method, not a claim that every postal ZIP is included. The full per-ZCTA dataset, including margins of error and value-band counts, is published with a DOI and free to download.

Study page: Tampa Bay owner-occupied home values by ZCTA, 2020-2024
Citable dataset: Zenodo DOI 10.5281/zenodo.23114338
Raw CSV: github.com/richard-cieplechowicz/tampa-bay-owner-home-values-2020-2024
Companion data and ZIP lookups: richardcieplechowicz.com/tampa-bay-data/

By Richard (Ryszard) Cieplechowicz, Tampa Bay housing data.

Building a reproducible Tampa Bay rent burden dataset from Census ACS data

Richard (Ryszard) Cieplechowicz — Wed, 21 Oct 2026 00:09:30 +0000

County averages hide where renters are actually stretched. I wanted ZIP-level rent burden numbers for the Tampa Bay area that anyone could check and reuse, so I built a table covering 132 ZIP Code Tabulation Areas across Hillsborough, Pinellas, Pasco and Hernando counties. This post walks through how it is put together.

Source data

Everything comes from the U.S. Census Bureau's American Community Survey 2020-2024 five-year estimates. The table pulls, for each ZCTA:

Gross rent as a percentage of household income (the shares of renter households paying 30%+ and 50%+ of income on rent)
Median gross rent
Median household income
The household counts behind each share

The five-year estimates are the only ACS product with enough sample size to report at ZCTA level. They describe a survey period, not current rent quotes, and I keep that caveat attached wherever the data is published.

Geography gotcha: ZCTA is not a USPS ZIP

A ZCTA is a Census tabulation geography, not a delivery ZIP. Boundaries will not always match the ZIP on an envelope. If you join this table to other data, join on ZCTA and document the mismatch rather than pretending the two are identical.

Keep the margins of error

Every survey estimate carries a margin of error, and small areas carry larger ones. The table keeps the Census Bureau's published margins next to the estimates instead of dropping them. If a ZCTA's share looks surprising, the margin is the first thing to check.

Reproducibility stack

CSV with a data dictionary on Kaggle: https://www.kaggle.com/datasets/richardcieplechowicz/tampa-bay-zip-housing-and-rent-burden-2020-2024
Processed files and code on GitHub: https://github.com/richard-cieplechowicz/tampa-bay-zip-housing-data
Mirror dataset card on Hugging Face: https://huggingface.co/datasets/richardcieplechowicz/tampa-bay-rent-burden-zcta-2020-2024
Archived release with a citable DOI on Zenodo: https://doi.org/10.5281/zenodo.22940611
Method and background on the study page: https://richardcieplechowicz.com/tampa-bay-rent-burden-by-zcta-2020-2024/

Two companion tables built the same way cover vacancy composition and owner-occupied home values across the same ZCTAs:

Vacancy: https://doi.org/10.5281/zenodo.23114340
Home values: https://doi.org/10.5281/zenodo.23114338

If you use the data, cite the Zenodo DOI so the version is pinned.

DEV Community: Richard (Ryszard) Cieplechowicz