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St. Petersburg city, FL

ZIP 33704 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33704

Median Home Value
$657,400
Median Rent
$1,250
Affordability Snapshot
$181,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,223/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

43.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33704 in St. Petersburg city, FL, a household would need roughly $181,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,223. That is about 76% above the local median household income ($102,647), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.1%+4% vs US avg
x
Vacancy Rate
13.1%+27% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
14.3%+12% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$657,400
Home Value
$1,250
Rent
1955
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached69.6%
  • 1-unit attached2.5%
  • 2-9 units16.7%
  • 10+ units11.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$657,400
Median rent$1,250
Owner-occupied68.1%
Vacant13.1%
Price-to-income6.4x
Est. income to buy$181,000