Oldsmar, FL—34677
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oldsmar, FL
As of Oct '25, the median home price in Oldsmar, FL is $365,000, with a year-over-year change of -8.6%. This indicates that home prices in Oldsmar, FL are decreasing. According to Zillow, the 1-year price projection is 0.2%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $365,000 | -8.6% |
| Single Family | $440,000 | -7.9% |
| Condos | $188,000 | -14.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $216,000 | -12.2% |
3 Bed | $417,000 | -7.5% |
4 Bed | $653,000 | -5.4% |
| 5 Bed | $941,000 | -4.3% |
% of Housing Stock
Rental Trends — Oldsmar, FL
As of July '25, Rentcast reports the average rent in Oldsmar, FL is $2,300, with a year-over-year rent change of -4.6%. Per bedroom, the median rent as of July '25 in Oldsmar, FL is 1-bedrooms: $1,740, 2-bedrooms: $1,950, 3-bedrooms: $2,910, 4-bedrooms: $3,260. The most common rental property sizes in Oldsmar, FL are 2-bedroom and 3-bedroom, accounting for 66.5% and 24.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $2,300 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,680 | $1,740 |
| 2 Bed Rent | $1,950 | $1,950 |
| 3 Bed Rent | $2,600 | $2,910 |
| 4 Bed Rent | $3,300 | $3,260 |
% of Rental Stock
Property Listings — Oldsmar, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Oldsmar, FL is 87. This is a increase of 47.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 38.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $396,000 | -10.0% |
Listing Count | 218 | 63.0% |
| Listings as % of Homes | 0.8% | 63.0% |
Days on Market | 87 | 47.0% |
Demographics — Oldsmar, FL
As of the latest ACS Survey released in 2023, Oldsmar, FL has a population of 22,300, which has remained stable by 0.8% over the past 5 years. Oldsmar, FL is a moderately popular place for families, as children make up 18.2% of the population. The area has a moderately educated workforce, with 41.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 20.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 22,300 | 0.8% |
% Under 18 | 18.2% | -2.7% |
% Seniors | 23.3% | 16.5% |
% WFH | 20.6% | 174.7% |
% w/ College Degree | 41.1% | 13.2% |
As of the latest ACS Survey released in 2023, Oldsmar, FL is a predominantly white area, with 72.5% of the population identifying as white. The white population has shrunk by 6.6% in the last 5 years. The second most common race or ethnicity in Oldsmar, FL is hispanic, making up 14.6% of the population. Foreign-born residents account for 12.3% of the population in Oldsmar, FL, and this percentage has increased by 8.8% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 72.5% | -6.6% |
% Black | 5.0% | 6.4% |
% Hispanic | 14.6% | 28.1% |
% Asian | 4.4% | -10.2% |
% Foreign Born | 12.3% | 8.8% |
Mortgage and Risk — Oldsmar, FL
According to HUD data as of 2023, there were 206 mortgage originations in Oldsmar, FL, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Oldsmar, FL. Investor activity is low, as 2.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 206 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Oldsmar, FL
As of 2024, the percent of homes in Oldsmar, FL under the Section 8 program is 4.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Oldsmar, FL, because HUD payments exceed market rent, while 1-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 78 |
Total Units Section 8 | 78 |
% Rentals under Section 8 | 4.1% |
% Occupied Section 8 | 92.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$10 | $1,680 | $1,670 |
| 2 Bedroom | $10 | $1,950 | $1,960 |
| 3 Bedroom | -$90 | $2,600 | $2,510 |
| 4 Bedroom | -$250 | $3,300 | $3,050 |
Affordability — Oldsmar, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.6 |
| Median Home Price | $365,000 |
| Median Household Income | $85,400 |