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 774 homes for sale in Pinellas County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,340 sq ft, built 1972, at $299/sq ft; 3% of them are new construction and the median has been on the market 68 days. The most house for the money is in Tarpon Springs (1,742 sq ft median); the least in Indian Shores (735 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 | 248 | 1,251 | 3 / 2 | 1959 | $318 | 2% | 70 |
| Clearwater | 116 | 1,469 | 3 / 2 | 1972 | $270 | 3% | 59 |
| Palm Harbor | 68 | 1,585 | 3 / 2 | 1983 | $255 | 10% | 112 |
| Largo | 54 | 1,320 | 3 / 2 | 1973 | $299 | 2% | 44 |
| Seminole | 51 | 1,415 | 3 / 2 | 1969 | $286 | 4% | 44 |
| Pinellas Park | 39 | 1,397 | 3 / 2 | 1972 | $275 | 8% | 57 |
| Dunedin | 31 | 1,193 | 2 / 2 | 1965 | $341 | 0% | 60 |
| Tarpon Springs | 31 | 1,742 | 3 / 2 | 1987 | $230 | 0% | 94 |
| Gulfport | 23 | 1,128 | 3 / 2 | 1955 | $344 | 0% | 60 |
| Oldsmar | 19 | 1,667 | 3 / 2 | 1979 | $228 | 0% | 99 |
| St. Pete Beach | 19 | 1,003 | 2 / 1.5 | 1973 | $399 | 0% | 51 |
| Clearwater Beach | 13 | 1,188 | 2 / 2 | 1974 | $349 | 0% | 192 |
| Treasure Island | 12 | 1,082 | 2 / 2 | 1977 | $385 | 0% | 42 |
| South Pasadena | 8 | 1,252 | 2 / 2 | 1981 | $324 | 0% | 122 |
| Indian Shores | 7 | 735 | 1 / 1 | 1974 | $510 | 0% | 196 |
| Madeira Beach | 6 | 897 | 2 / 1.5 | 1973 | $434 | 0% | 163 |
| Belleair | 5 | 1,385 | 2 / 2 | 1974 | $279 | 0% | 150 |
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 | 1,172 | 1957 | $328 | 0% |
| 33713 St. Petersburg | 34 | 1,198 | 1952 | $335 | 0% |
| 33756 Clearwater | 34 | 1,385 | 1973 | $288 | 0% |
| 33706 St. Pete Beach | 32 | 1,033 | 1974 | $392 | 0% |
| 34698 Dunedin | 31 | 1,193 | 1965 | $341 | 0% |
| 33705 St. Petersburg | 30 | 1,272 | 1958 | $309 | 7% |
| 34689 Tarpon Springs | 30 | 1,751 | 1985 | $228 | 0% |
| 34684 Palm Harbor | 30 | 1,470 | 1979 | $274 | 0% |
| 33710 St. Petersburg | 29 | 1,263 | 1958 | $313 | 0% |
| 33715 St. Petersburg | 28 | 1,045 | 1981 | $382 | 0% |
| 33755 Clearwater | 28 | 1,368 | 1960 | $297 | 4% |
| 34683 Palm Harbor | 25 | 1,464 | 1985 | $254 | 28% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Harbor Landing | PALM HARBOR | 7 | 1,464 | 2026 |
| Pasadena Gardens Gulfview | GULFPORT | 6 | 1,092 | 1957 |
| Waterside At Coquina Key South | ST PETERSBURG | 6 | 923 | 1979 |
| Skyview Terrace | PINELLAS PARK | 5 | 1,340 | 1961 |
| Barefoot Beach Resort Of Indian Shores | Indian Rocks Beach | 4 | 735 | 1961 |
| Coachman Reserve Condominium | Clearwater | 4 | 1,954 | 2006 |
| Kenneth City | KENNETH CITY | 4 | 1,260 | 1957 |
| Madeira Beach Yacht Club Condo | Madeira Beach | 3 | 1,040 | 1973 |
| Salem Square | PALM HARBOR | 3 | 1,659 | 1991 |
| Palma Del Mar | ST PETERSBURG | 3 | 890 | 1981 |
| oldsmar country club estates | Oldsmar | 3 | 1,288 | 1959 |
| North St Petersburg | St Petersburg | 3 | 1,180 | 1970 |
| sky crest | Clearwater | 3 | 1,434 | 1953 |
| Three Palms Pointe Condo | St Pete Beach | 3 | 1,131 | 1974 |
| Townes At Island Lake | PINELLAS PARK | 3 | 1,464 | 2026 |
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 24, 2026; property mix at this price: Single-family 63%, Condo 23%, 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.