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Oldsmar city, FL

ZIP 34677 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34677

Median Home Value
$352,200
Median Rent
$1,270
Affordability Snapshot
$97,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,262/mo PITI).

18%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.1 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 34677 in Oldsmar city, FL, a household would need roughly $97,000 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 $2,262. That is roughly in line with the local median household income ($85,389). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.6%+20% vs US avg
x
Vacancy Rate
11.4%+10% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
24.7%-50% vs US avg
x
Mortgage-Free
43.5%+14% vs US avg
x
$352,200
Home Value
$1,270
Rent
1987
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached51.8%
  • 1-unit attached15.1%
  • 2-9 units15.8%
  • 10+ units13.3%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$352,200
Median rent$1,270
Owner-occupied78.6%
Vacant11.4%
Price-to-income4.1x
Est. income to buy$97,000