What $400K Buys in Pinellas County, FL
A $400K budget buys a very different house depending on which Pinellas County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 692 homes for sale in Pinellas County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,341 sq ft, built 1973, at $298/sq ft; 3% of them are new construction and the median has been on the market 48 days. The most house for the money is in Oldsmar (1,667 sq ft median); the least in St. Pete Beach (817 sq ft); the newest in Tarpon Springs (median build year 1987).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| St. Petersburg | 229 | 1,263 | 3 / 2 | 1960 | $316 | 3% | 45 |
| Clearwater | 92 | 1,481 | 3 / 2 | 1968 | $270 | 2% | 48 |
| Palm Harbor | 65 | 1,540 | 3 / 2 | 1983 | $257 | 14% | 83 |
| Largo | 49 | 1,410 | 3 / 2 | 1974 | $276 | 2% | 29 |
| Seminole | 40 | 1,427 | 3 / 2 | 1971 | $295 | 2% | 34 |
| Pinellas Park | 35 | 1,433 | 3 / 2 | 1972 | $270 | 9% | 36 |
| Dunedin | 26 | 1,174 | 2 / 2 | 1964 | $350 | 0% | 30 |
| Tarpon Springs | 26 | 1,612 | 3 / 2 | 1987 | $258 | 0% | 65 |
| Oldsmar | 21 | 1,667 | 3 / 2 | 1987 | $232 | 0% | 44 |
| Clearwater Beach | 18 | 1,194 | 2 / 2 | 1978 | $346 | 0% | 139 |
| Gulfport | 17 | 1,160 | 3 / 2 | 1956 | $341 | 0% | 48 |
| St. Pete Beach | 14 | 817 | 2 / 1 | 1971 | $473 | 0% | 22 |
| Treasure Island | 12 | 1,127 | 2 / 2 | 1981 | $355 | 0% | 21 |
| South Pasadena | 9 | 1,250 | 2 / 2 | 1981 | $333 | 0% | 82 |
| Madeira Beach | 8 | 897 | 2 / 1.5 | 1973 | $442 | 0% | 117 |
| Tierra Verde | 5 | 1,375 | 2 / 2 | 1985 | $290 | 0% | 187 |
| Indian Shores | 5 | 875 | 1 / 1 | 1974 | $474 | 0% | 172 |
| Belleair | 5 | 1,385 | 2 / 2 | 1974 | $282 | 0% | 130 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 33707 Gulfport | 36 | 1,210 | 1958 | $333 | 0% |
| 33756 Clearwater | 32 | 1,385 | 1972 | $288 | 0% |
| 33713 St. Petersburg | 31 | 1,236 | 1950 | $319 | 0% |
| 33706 St. Pete Beach | 28 | 1,030 | 1974 | $396 | 0% |
| 34683 Palm Harbor | 28 | 1,464 | 2006 | $252 | 32% |
| 33703 St. Petersburg | 28 | 1,244 | 1969 | $326 | 0% |
| 33715 St. Petersburg | 27 | 1,050 | 1981 | $386 | 0% |
| 34684 Palm Harbor | 27 | 1,460 | 1979 | $281 | 0% |
| 34698 Dunedin | 26 | 1,174 | 1964 | $350 | 0% |
| 34689 Tarpon Springs | 25 | 1,616 | 1986 | $257 | 0% |
| 33705 St. Petersburg | 24 | 1,307 | 1959 | $300 | 4% |
| 33710 St. Petersburg | 23 | 1,263 | 1958 | $313 | 0% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Harbor Landing | PALM HARBOR | 9 | 1,464 | 2026 |
| Skyview Terrace | PINELLAS PARK | 6 | 1,409 | 1961 |
| shore acres overlook | St Petersburg | 5 | 1,559 | 1962 |
| Harbor Ridge Of Palm Harbor | PALM HARBOR | 5 | 1,700 | 2013 |
| Madeira Beach Yacht Club Condo | Madeira Beach | 4 | 897 | 1973 |
| Palma Del Mar | ST PETERSBURG | 4 | 1,020 | 1981 |
| North St Petersburg | St Petersburg | 4 | 1,146 | 1971 |
| Ridgewood Groves | SEMINOLE | 4 | 1,351 | 1959 |
| Starboard Tower | Clearwater Beach | 4 | 1,240 | 1978 |
| Coachman Reserve Condominium | Clearwater | 4 | 1,954 | 2006 |
| Waterside At Coquina Key South | ST PETERSBURG | 4 | 1,022 | 1979 |
| Shoreacres Center | ST PETERSBURG | 4 | 1,466 | 1970 |
| Mobel Americana Mobile Home Park Unrec | ST PETERSBURG | 4 | 1,404 | 2010 |
| Boca Ciega Point East | ST PETERSBURG | 3 | 1,400 | 1973 |
| Spring Lake Of Clearwater | CLEARWATER | 3 | 1,722 | 1988 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of October 5, 2026; property mix at this price: Single-family 61%, Condo 24%, Townhouse 11%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Pinellas County: $300K, $500K, $750K, $1M. Back to homes for sale in Pinellas County, FL.