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 498 homes for sale in Pinellas County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,344 sq ft, built 1972, at $296/sq ft; 4% of them are new construction and the median has been on the market 52 days. The most house for the money is in Tarpon Springs (1,777 sq ft median); the least in St. Pete Beach (830 sq ft); the newest in Palm Harbor (median build year 1992).
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 | 151 | 1,263 | 3 / 2 | 1960 | $316 | 3% | 40 |
| Clearwater | 74 | 1,437 | 3 / 2 | 1972 | $290 | 1% | 52 |
| Palm Harbor | 40 | 1,566 | 3 / 2.5 | 1992 | $253 | 22% | 75 |
| Largo | 32 | 1,435 | 3 / 2 | 1972 | $270 | 3% | 46 |
| Seminole | 28 | 1,534 | 3 / 2 | 1972 | $263 | 4% | 56 |
| Tarpon Springs | 24 | 1,777 | 3 / 2 | 1991 | $220 | 0% | 76 |
| Pinellas Park | 22 | 1,411 | 3 / 2 | 1961 | $273 | 9% | 42 |
| Dunedin | 21 | 1,150 | 2 / 2 | 1969 | $363 | 0% | 46 |
| Clearwater Beach | 17 | 1,240 | 2 / 2 | 1973 | $343 | 0% | 84 |
| Oldsmar | 15 | 1,560 | 3 / 2 | 1979 | $252 | 0% | 37 |
| Gulfport | 13 | 1,147 | 2 / 2 | 1955 | $344 | 0% | 53 |
| Treasure Island | 11 | 1,030 | 2 / 2 | 1981 | $393 | 0% | 8 |
| St. Pete Beach | 11 | 830 | 2 / 1 | 1970 | $504 | 0% | 87 |
| Madeira Beach | 9 | 840 | 2 / 1.5 | 1973 | $463 | 0% | 126 |
| South Pasadena | 6 | 1,252 | 2 / 2 | 1982 | $329 | 0% | 89 |
| Indian Shores | 5 | 875 | 1 / 1 | 1974 | $474 | 0% | 171 |
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 |
|---|---|---|---|---|---|
| 33706 Treasure Island | 26 | 1,020 | 1974 | $396 | 0% |
| 34683 Palm Harbor | 26 | 1,464 | 2011 | $257 | 35% |
| 33707 Gulfport | 26 | 1,190 | 1956 | $335 | 0% |
| 34689 Tarpon Springs | 23 | 1,822 | 1988 | $219 | 0% |
| 34698 Dunedin | 21 | 1,150 | 1969 | $363 | 0% |
| 33756 Clearwater | 20 | 1,413 | 1968 | $290 | 0% |
| 33767 Clearwater Beach | 20 | 1,220 | 1973 | $344 | 0% |
| 33705 St. Petersburg | 19 | 1,310 | 1957 | $302 | 0% |
| 33703 St. Petersburg | 19 | 1,253 | 1969 | $324 | 0% |
| 33708 Madeira Beach | 17 | 1,040 | 1973 | $405 | 0% |
| 33713 St. Petersburg | 15 | 1,143 | 1947 | $363 | 0% |
| 34677 Oldsmar | 15 | 1,560 | 1979 | $252 | 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 | 5 | 1,479 | 1961 |
| Oakleaf Village | TARPON SPRINGS | 5 | 1,733 | 1980 |
| Starboard Tower | Clearwater Beach | 5 | 1,240 | 1978 |
| 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 |
| Ridgewood Groves | SEMINOLE | 4 | 1,299 | 1960 |
| Regatta Beach Club Condo | Clearwater Beach | 4 | 591 | 1962 |
| Coachman Reserve Condominium | Clearwater | 4 | 1,863 | 2007 |
| Shoreacres Center | ST PETERSBURG | 4 | 1,380 | 1969 |
| Tyrone | St Petersburg | 3 | 1,580 | 1964 |
| Boca Ciega Point East | ST PETERSBURG | 3 | 1,400 | 1973 |
| oldsmar country club estates | Oldsmar | 3 | 1,288 | 1959 |
| Bayside Condo | Clearwater Beach | 3 | 405 | 1973 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of September 15, 2026; property mix at this price: Single-family 57%, Condo 27%, Townhouse 13%. 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.