Town 'n' Country Home Prices: $390K, Down 2.3% — 3 ZIPs Analyzed (2026)

$390,292. That’s what a typical home costs in Town ’n’ Country, FL right now — and it’s less than what buyers paid a year ago. Prices have slipped 2.3% over the past twelve months, part of a steady cooldown that started in spring 2025.

Quick answer: The average home price in Town ’n’ Country, FL is $390,292 as of February 2026, down 2.3% year over year according to Zillow.

Current Home Prices in Town ’n’ Country

Here’s where the market stands as of February 2026:

A year ago, the typical home here was worth roughly $399,600. That means sellers have watched about $9,300 in value evaporate. Not a crash by any measure, but a clear correction.

The gap between the cheapest and most expensive neighborhoods is about $80,000. That’s a meaningful spread for a community with only three ZIP codes. Where you buy within Town ’n’ Country matters.

This area sits inside the Tampa-St. Petersburg-Clearwater metro, one of the hottest markets during the pandemic boom. The cooldown here mirrors what’s happening across much of the Tampa Bay region as inventory loosens and buyers regain some bargaining power.

Town ’n’ Country Home Prices by Neighborhood

All three ZIP codes and their current median home values:

Most Expensive

33635 tops the list at $440,932 — roughly 13% above the city median. Rents here are also the highest at $1,965 per month, which tracks with the higher home values.

Most Affordable

33615 comes in at $361,186, about 7.5% below the Town ’n’ Country average. It also has the lowest rents at $1,668 per month, making it the most accessible entry point for both buyers and renters.

33634 sits in the middle at $368,757. Rents here run $1,897, a step up from 33615 but still below the priciest ZIP.

The price difference between 33615 and 33635 is nearly $80,000. If you’re flexible on location within Town ’n’ Country, that gap could mean a significantly lower mortgage payment.

Rent vs Buy in Town ’n’ Country

Average rent across all three ZIPs is about $1,843 per month.

Now compare that to buying. On a $390,292 home with 20% down ($78,058), you’d finance roughly $312,234. At a 7% mortgage rate over 30 years, your principal and interest payment alone comes to about $2,078 per month. Add property taxes, homeowner’s insurance, and potential HOA fees in Florida, and you’re looking at $2,500 to $2,700 per month all-in.

Renting saves you $650 to $850 per month compared to buying at current prices and rates. That’s $7,800 to $10,200 per year in your pocket.

Of course, buying builds equity. But with prices still falling, new buyers face the risk of being underwater in the short term. If you’re planning to stay five years or more, buying may still make sense. For shorter timelines, renting looks like the stronger financial play right now.

Town ’n’ Country Housing Market Trends

Here’s how the median home price has moved over the past twelve months:

The pattern is clear. Prices peaked in March 2025 at $399,611, then declined through September, hitting a trough of $387,361 in October. Since then, there’s been a modest bounce — the median has crept up about $2,900 over the last four months.

The expensive ZIP (33635) has dropped more sharply than the affordable ones. It fell from $458,544 in March 2025 to $440,932 in February 2026, a decline of about $17,600. Meanwhile, the cheapest ZIP (33615) dropped from $365,964 to $361,186 — only a $4,800 loss. Higher-priced homes are feeling the correction more.

Is Town ’n’ Country a Good Place to Buy in 2026?

The data points toward a buyer-friendly market. Prices are down 2.3% year over year, and the decline at the top end is even steeper. Sellers who listed at 2025 peak prices are having to adjust.

For buyers, the math is improving but not yet convincing. You’re still paying $390K for a median home, and mortgage rates keep monthly costs well above rents. The best opportunity is in ZIP 33615, where $361K gets you into the market at the lowest price point.

If you’re already set on the Tampa Bay area and want to avoid Tampa city prices, Town ’n’ Country offers a suburban alternative. But don’t rush. The trend favors patience — prices have been sliding for nearly a year, and the recent uptick is small enough that it could easily reverse.

Town ’n’ Country Housing Market Outlook for 2026-2027

The last four months show prices stabilizing and ticking upward slightly — about $730 per month on average since October 2025. That’s a weak recovery at best.

If the current pace continues, the median could climb back toward $393,000–$395,000 by mid-2026. But the broader twelve-month trend is still downward, and the high-end ZIP (33635) continues to shed value faster than the rest.

The three-month trend suggests the market is finding a floor rather than bouncing back. Expect sideways movement through 2026, with modest gains possible if mortgage rates drop or inventory tightens. A return to the $399K peak from March 2025 looks unlikely before 2027.

Similar Markets in FL

If you’re weighing options across the state, here are a few markets worth comparing:

• Tampa — The neighboring city and metro anchor. Expect higher prices but more inventory and amenities.
• Jacksonville — Northeast Florida offers lower price points for buyers priced out of Tampa Bay.
• Orlando — Central Florida’s major market, with a different employment base and growth pattern.
• Homestead — South Florida buyers looking for affordability often land here.
• Port Saint Lucie — A fast-growing Treasure Coast city attracting Tampa Bay transplants.

Frequently Asked Questions

What is the average home price in Town ’n’ Country?

The average home price in Town ’n’ Country is $390,292 as of February 2026. Prices range from $361,186 in ZIP code 33615 to $440,932 in ZIP code 33635. The city-wide median has dropped about $9,300 from its peak in March 2025.

Are home prices going up or down in Town ’n’ Country?

Prices are down 2.3% compared to a year ago. The decline started in spring 2025 and continued through October, when the median hit $387,361. There’s been a small uptick since then, but the overall twelve-month direction remains negative.

Is it cheaper to rent or buy in Town ’n’ Country?

Renting is significantly cheaper right now. Average rent across Town ’n’ Country is about $1,843 per month, while buying the median home costs an estimated $2,500 to $2,700 per month when you factor in mortgage payments, taxes, and insurance. That’s a gap of $650 to $850 per month in favor of renting.

What is the most affordable neighborhood in Town ’n’ Country?

ZIP code 33615 is the most affordable area, with a median home price of $361,186 — about 7.5% below the city average. Rents here are also the lowest at $1,668 per month. It’s the best entry point for budget-conscious buyers in Town ’n’ Country.

Methodology

Home values are based on the Zillow Home Value Index (ZHVI), a smoothed measure of typical home values in the 35th to 65th percentile range. Rent estimates use the Zillow Observed Rent Index (ZORI). Population figures come from the U.S. Census Bureau Population Estimates Program (2020-2024 vintage). All datasets are publicly available. Housing data updated 2026-02-28.