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 769 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 69 days. The most house for the money is in Tarpon Springs (1,720 sq ft median); the least in Indian Shores (735 sq ft); the newest in Tierra Verde (median build year 1989).
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 | 250 | 1,287 | 3 / 2 | 1959 | $310 | 3% | 71 |
| Clearwater | 116 | 1,455 | 3 / 2 | 1972 | $273 | 3% | 56 |
| Palm Harbor | 65 | 1,517 | 3 / 2 | 1983 | $257 | 11% | 83 |
| Seminole | 53 | 1,380 | 3 / 2 | 1968 | $293 | 2% | 49 |
| Largo | 51 | 1,305 | 3 / 2 | 1976 | $310 | 2% | 52 |
| Pinellas Park | 34 | 1,409 | 3 / 2 | 1972 | $274 | 3% | 47 |
| Tarpon Springs | 33 | 1,720 | 3 / 2 | 1986 | $240 | 0% | 86 |
| Dunedin | 27 | 1,193 | 2 / 2 | 1965 | $324 | 0% | 91 |
| Gulfport | 24 | 1,085 | 2 / 2 | 1957 | $359 | 0% | 46 |
| St. Pete Beach | 20 | 1,016 | 2 / 2 | 1974 | $367 | 0% | 66 |
| Treasure Island | 16 | 1,126 | 2 / 2 | 1975 | $377 | 0% | 59 |
| Oldsmar | 16 | 1,628 | 3 / 2 | 1979 | $240 | 0% | 109 |
| Clearwater Beach | 16 | 1,116 | 2 / 2 | 1973 | $362 | 0% | 190 |
| Indian Shores | 8 | 735 | 1 / 1 | 1967 | $507 | 0% | 175 |
| South Pasadena | 7 | 1,255 | 2 / 2 | 1982 | $318 | 0% | 125 |
| Madeira Beach | 7 | 1,040 | 2 / 1.5 | 1973 | $379 | 0% | 177 |
| Tierra Verde | 5 | 1,110 | 2 / 2 | 1989 | $333 | 0% | 169 |
| Belleair | 5 | 1,385 | 2 / 2 | 1974 | $279 | 0% | 169 |
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 St. Pete Beach | 37 | 1,055 | 1974 | $374 | 0% |
| 33705 St. Petersburg | 36 | 1,326 | 1957 | $298 | 6% |
| 33707 Gulfport | 36 | 1,153 | 1961 | $326 | 0% |
| 33755 Clearwater | 35 | 1,361 | 1960 | $290 | 3% |
| 34689 Tarpon Springs | 32 | 1,721 | 1985 | $239 | 0% |
| 33713 St. Petersburg | 29 | 1,188 | 1954 | $323 | 0% |
| 34684 Palm Harbor | 29 | 1,540 | 1980 | $267 | 0% |
| 33703 St. Petersburg | 28 | 1,348 | 1969 | $305 | 0% |
| 34698 Dunedin | 27 | 1,193 | 1965 | $324 | 0% |
| 34683 Palm Harbor | 26 | 1,463 | 1984 | $254 | 27% |
| 33715 St. Petersburg | 26 | 1,092 | 1982 | $356 | 0% |
| 33756 Clearwater | 26 | 1,429 | 1974 | $277 | 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 | 7 | 1,464 | 2026 |
| Pasadena Gardens Gulfview | GULFPORT | 6 | 1,092 | 1957 |
| Ridgewood Groves | SEMINOLE | 5 | 1,220 | 1959 |
| Waterside At Coquina Key South | ST PETERSBURG | 5 | 825 | 1979 |
| Barefoot Beach Resort Of Indian Shores | Indian Rocks Beach | 4 | 735 | 1961 |
| shore acres overlook | St Petersburg | 4 | 1,412 | 1966 |
| Oakleaf Village | TARPON SPRINGS | 4 | 1,578 | 1981 |
| Regatta Beach Club Condo | Clearwater Beach | 4 | 475 | 1962 |
| Coachman Reserve Condominium | Clearwater | 4 | 1,954 | 2006 |
| Mobel Americana Mobile Home Park Unrec | ST PETERSBURG | 4 | 1,404 | 2010 |
| Madeira Beach Yacht Club Condo | Madeira Beach | 3 | 1,040 | 1973 |
| oldsmar country club estates | Oldsmar | 3 | 1,288 | 1959 |
| Tamarac By The Gulf | Seminole | 3 | 1,310 | 1968 |
| sky crest | Clearwater | 3 | 1,434 | 1953 |
| Spring Lake Of Clearwater | CLEARWATER | 3 | 1,602 | 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 November 14, 2026; property mix at this price: Single-family 63%, Condo 24%, Townhouse 10%. 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.