City · 36,062 residents · Pinellas County, Florida
Dunedin, Florida
In Dunedin, a typical home is worth $396,000 and typical rent is $1,675 a month. Compared with all of Pinellas County, the typical home value is 12% higher.
Typical home value from Zillow, September 2021 to September 2026: from $349,136 to $410,947.
Typical rent
$2,050a month
▲ 5.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,665 to $2,050.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Dunedin is in Pinellas County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pinellas County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Tarpon Springs, the typical rent is $1,298: 23% less than in Dunedin ($1,675).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Dunedin rose 2.3%; in Florida, it fell 0.9%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Dunedin
What homes there are in Dunedin, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Dunedin
Pinellas County
Florida
United States
Kind of home: Dunedin and its comparisons
Measure
Dunedin
Pinellas County
Florida
United States
Detached house
45%
48%
55%
61%
Attached house
8%
6%
7%
6%
Building of 2 to 4
8%
7%
6%
8%
Apartments (5 or more)
29%
30%
25%
19%
Mobile home
11%
9%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Homes in Dunedin are varied: detached houses are the largest group (45%), about the same as in Pinellas County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Dunedin
Pinellas County
Florida
United States
Year built: Dunedin and its comparisons
Measure
Dunedin
Pinellas County
Florida
United States
Before 1960
16%
20%
10%
26%
1960–1979
46%
39%
24%
24%
1980–1999
27%
29%
34%
25%
2000–2009
7%
7%
18%
14%
2010 or later
5%
6%
14%
11%
In Dunedin, half of the homes were built before 1976; in Pinellas County, before 1977.
Much as in Pinellas County, 39% of homes in Dunedin have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K10%
$100K–$200K13%
$200K–$300K14%
$300K–$500K34%
$500K–$750K18%
FHA limit: $541,287
$750K–$1M8%
$1M or more4%
Value of owner-occupied homes: Dunedin and its comparisons
Measure
Dunedin
Under $100K
10%
$100K–$200K
13%
$200K–$300K
14%
$300K–$500K
34%
$500K–$750K
18%
$750K–$1M
8%
$1M or more
4%
About 74% of owner-occupied homes in Dunedin are worth less than the FHA loan limit for Pinellas County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99914%
$1,000–$1,49926%
$1,500–$1,99928%
$2,000–$2,49917%
$2,500–$2,9998%
$3,000 or moreUnreliable
Monthly rent with utilities: Dunedin and its comparisons
Measure
Dunedin
Under $500
Unreliable estimate
$500–$999
14%
$1,000–$1,499
26%
$1,500–$1,999
28%
$2,000–$2,499
17%
$2,500–$2,999
8%
$3,000 or more
Unreliable estimate
With a mortgage
$1,922 a month
Pinellas County: $1,948 a month
Without a mortgage
$725 a month
Pinellas County: $734 a month
Owners with a mortgage
46%
Pinellas County: 51%
Owning costs about the same in Dunedin as in Pinellas County: with a mortgage, $1,922 a month; without one, $725.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Dunedin+99%
Pinellas County+77%
Florida+67%
United States+53%
Typical rent
Dunedin+54%
Pinellas County+48%
Florida+42%
United States+33%
Typical household income
Dunedin+48%
Pinellas County+34%
Florida+34%
United States+29%
Change since 2015–2019: Dunedin and its comparisons
Measure
Dunedin
Pinellas County
Florida
United States
Typical home value
+99%
+77%
+67%
+53%
Typical rent
+54%
+48%
+42%
+33%
Typical household income
+48%
+34%
+34%
+29%
The typical home value in Dunedin rose 99% since 2015–2019, more than in Pinellas County (77%).
The typical rent in Dunedin rose 54% over the same time; in Pinellas County, it rose 48%.
The typical household income in Dunedin rose 48%: less than home values (+99%) and rent (+54%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Dunedin and its comparisons
Measure
Dunedin
Pinellas County
Florida
United States
Rental vacancy
Unreliable estimate
9.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.0%
3.3%
3.4%
People per household
2.03
2.20
2.51
2.53
Drive alone
65%
68%
70%
69%
Carpool
6%
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
25%
20%
16%
15%
Other means
1%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Dunedin are smaller: 2.03 people on average; in Pinellas County, 2.20.
Many people here do not commute at all: 25% work from home; in Pinellas County, 20%.
Do the math
What would you pay each month for a home in Dunedin?
A typical home costs more than the typical income allows
We start with a typical home in Dunedin, worth $396,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Dunedin, which is $74,477 a year. For that payment to be 28% of income, a household would need to earn about $136,234 a year.
The calculator's FHA and conventional loan limits are those of all of Pinellas County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Dunedin. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,860 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,179
at 7.18% · 30 years
Loan amount
$388,827
Total interest
$559,431
Paid off in
November 2056
Includes $6,687 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,738 a month
Tight
$1,738 to $2,234 a month
Hard
more than $2,234 a month
Your payment · 51%
Compared with the typical household income in Dunedin ($74,477 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,634
Property tax
$205
Home insurance
$165
FHA mortgage insurance (MIP)
$175
You need at least $13,860 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,179; principal and interest $2,634.
The city and its county
Dunedin and Pinellas County
Dunedin is in Pinellas County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Map of Pinellas County, Florida, with Dunedin marked. Around it, the neighboring counties.
Pinellas County
Dunedin's own numbers
Typical home value
$396,000
Typical monthly rent
$1,675
Typical yearly household income
$74,477
Households that own their home
71%
Effective property tax rate
0.62%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pinellas County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.2%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinellas County.
A typical home in Dunedin is worth $396,000: 12% above the county and 10% above Florida. With the typical household income in Dunedin ($74,477 a year), a typical home costs 5.3 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Dunedin5.3 years
Pinellas4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pinellas County
According to FHFA’s house price index, home prices in Pinellas County rose 145% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pinellas County.
Yearly change in FHFA’s price index in Pinellas County, 2016 to 2025
2016: +11.0% +11.0% 2016
2017: +9.9% +9.9% 2017
2018: +9.1% +9.1% 2018
2019: +6.7% +6.7% 2019
2020: +6.4% +6.4% 2020
2021: +17.4% +17.4% 2021
2022: +24.8% +24.8% 2022
2023: +8.9% +8.9% 2023
2024: +3.8% +3.8% 2024
2025: −2.0% −2.0% 2025
Change in FHFA’s price index in Pinellas County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−2.0%
−0.5%
+2.9%
5 years (2020–2025)
+62%
+60%
+47%
10 years (2015–2025)
+145%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Dunedin next to Pinellas County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Dunedin$396,000
Pinellas$355,100
Florida$359,000
United States$332,700
Typical monthly rent
Dunedin$1,675
Pinellas$1,642
Florida$1,669
United States$1,413
Typical yearly household income
Dunedin$74,477
Pinellas$72,646
Florida$74,568
United States$80,734
See the full table
Dunedin next to Pinellas County and Florida
Measure
Dunedin
Pinellas County
Florida
U.S.
Typical home value
$396,000 ▲12% above the county
$355,100
$359,000
$332,700
Typical monthly rent
$1,675 ▲2% above the county
$1,642
$1,669
$1,413
Typical yearly household income
$74,477 ▲3% above the county
$72,646
$74,568
$80,734
Households that own their home
71% ▲2 points above the county
70%
68%
65%
Typical yearly property tax
$2,456
$2,474
$2,730
$3,119
Effective property tax rate
0.62% ▼0.08 points below the county
0.7%
0.76%
0.94%
Renters with high rent for their income
63% ▲2 points above the county
60%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinellas County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Dunedin
For a typical $396,000 home in Dunedin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dunedin's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,179a month
Least cash to close
Down payment
$13,860
Cash to close
$25,740
Rate
7.18%
Mortgage insurance
FHA MIP · $175
Conventional, 5% down$3,106a month
Down payment
$19,800
Cash to close
$31,680
Rate
7.18%
Mortgage insurance
PMI · $188
Conventional, 20% down, no PMI$2,516a month
Down payment
$79,200
Cash to close
$91,080
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,882a month
Down payment
$59,400
Cash to close
$71,280
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Dunedin
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,179
$13,860
$388,827
7.18%
FHA MIP · $175
$25,740
580
Conventional, 5% down
$3,106
$19,800
$376,200
7.18%
PMI · $188
$31,680
620*
Conventional, 20% down, no PMI
$2,516
$79,200
$316,800
7.18%
None
$91,080
620*
ITIN, 15% down (example)
$2,882
$59,400
$336,600
8.18%
None
$71,280
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Dunedin is $1,675 a month: 2% above the county. In Dunedin, 63% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pinellas County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pinellas County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,597
$30.71
$63,880
1 bedroom
$1,648
$31.69
$65,920
2 bedrooms
$1,917
$36.87
$76,680
3 bedrooms
$2,448
$47.08
$97,920
4 bedrooms
$2,977
$57.25
$119,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Dunedin
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dunedin is in ZIP code 34698.
For 2 bedrooms it is $2,060: $143 more than the fair market rent for Pinellas County ($1,917).
Fair market rent by ZIP code and size in Dunedin, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
34698
$1,720
$1,770
$2,060
$2,630
$3,200
ZIP code2 bd3 bd
34698 $2,060$2,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dunedin when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 4 HUD-approved agencies with an office in Pinellas County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Dunedin or Pinellas County. The ones below are statewide in Florida: they work in Dunedin the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Dunedin or Pinellas County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Dunedin and all of Pinellas County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Dunedin?
The typical home value in Dunedin is $396,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinellas County it is $355,100.
How much does it cost to rent in Dunedin?
Typical rent in Dunedin is $1,675 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinellas County is $1,917.
What is the FHA loan limit in Dunedin?
Dunedin uses the FHA limit for all of Pinellas County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Dunedin?
The typical homeowner in Dunedin pays $2,456 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Pinellas County, the rate is 0.7%.
Where can I find free help to buy or rent in Dunedin?
There are 4 HUD-approved counseling agencies with an office in Pinellas County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
