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City · 33,283 residents · Pinellas County, Florida

East Lake , Florida

In East Lake, a typical home is worth $488,000 and typical rent is $1,942 a month. Compared with all of Pinellas County, the typical home value is 37% higher, typical household income is 37% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $488,000

    37% above the county

    36% above Florida

    • East Lake
    • Pinellas
    • Florida

  • Typical rent

    $1,942a month

    18% above the county

    16% above Florida

    • East Lake
    • Pinellas
    • Florida

  • Typical household income

    $99,333a year

    37% above the county

    33% above Florida

    • East Lake
    • Pinellas
    • Florida

  • Households that own their home

    83%

    14 points above the county

    16 points above Florida

    • East Lake
    • Pinellas
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

East Lake 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

Data updated: October 1, 2026 11 official sources

Only here

What sets East Lake apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Holiday, the typical home value is $170,100: 65% less than in East Lake ($488,000).

  2. Nearby, in Holiday, the typical rent is $1,239: 36% less than in East Lake ($1,942).

  3. The typical home in East Lake is worth $488,000, 37% more than in Pinellas County as a whole ($355,100).

  4. The typical household income in East Lake is $99,333, 37% more than in Pinellas County as a whole ($72,646).

  5. 83% of households in East Lake own their home, against 70% in Pinellas County.

  6. The typical rent in East Lake is $1,942 a month, 18% more than in Pinellas County as a whole ($1,642).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in East Lake

What homes there are in East Lake, 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 houses, standing on their own, make up 55% of homes here, against 48% in Pinellas County.

Year built

Here half of the homes date from 1990 or later; in Pinellas County, from 1977 or later.

Homes in East Lake are bigger: 60% have 3 bedrooms or more; in Pinellas County, 40%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,498 a month

Pinellas County: $1,948 a month

Without a mortgage

$936 a month

Pinellas County: $734 a month

Owners with a mortgage

54%

Pinellas County: 51%

In East Lake, 54% of owners have a mortgage, and their typical cost is $2,498 a month, against $1,948 in Pinellas County. Without one it drops to $936.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in East Lake gained value more slowly than in Pinellas County: 41% since 2015–2019, against 77%.

Rents in East Lake rose at about the same pace as in Pinellas County: 47% since 2015–2019, against 48%.

Housing prices ran ahead of income in East Lake: typical income rose 22%, against +41% for home values and +47% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEast LakePinellas CountyFloridaUnited States
Rental vacancy Unreliable estimate9.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.412.202.512.53
Drive alone 66%68%70%69%
Carpool 5%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 26%20%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in East Lake has 2.41 people, more than in Pinellas County (2.20).

Many people here do not commute at all: 26% work from home; in Pinellas County, 20%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in East Lake?

A typical home costs more than the typical income allows

We start with a typical home in East Lake, worth $488,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in East Lake, which is $99,333 a year. For that payment to be 28% of income, a household would need to earn about $171,545 a year.

The calculator's FHA and conventional loan limits are those of all of Pinellas County.

Your numbers

Local data
$

Starts at the typical home value in East Lake. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $17,080 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,003

at 7.18% · 30 years

Loan amount
$479,161
Total interest
$689,400
Paid off in
November 2056

Includes $8,241 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,318 a month

  • Tight

    $2,318 to $2,980 a month

  • Hard

    more than $2,980 a month

    Your payment · 48%

Compared with the typical household income in East Lake ($99,333 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,003
Principal & interest$3,246
Property tax$338
Home insurance$203
FHA mortgage insurance (MIP)$216

You need at least $17,080 for the down payment, plus closing costs.

Next step

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.

The city and its county

East Lake and Pinellas County

East Lake 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).

East Lake's own numbers

Typical home value
$488,000
Typical monthly rent
$1,942
Typical yearly household income
$99,333
Households that own their home
83%
Effective property tax rate
0.83%

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.

Everything about Pinellas County

Buying

Buying a home in East Lake

A typical home in East Lake is worth $488,000: 37% above the county and 36% above Florida. With the typical household income in East Lake ($99,333 a year), a typical home costs 4.9 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.

  • East Lake 4.9 years
  • Pinellas 4.9 years
  • Florida 4.8 years
  • United States 4.1 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.

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

East Lake 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
  • East Lake $488,000
  • Pinellas $355,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • East Lake $1,942
  • Pinellas $1,642
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • East Lake $99,333
  • Pinellas $72,646
  • Florida $74,568
  • United States $80,734
See the full table
East Lake next to Pinellas County and Florida
Measure East Lake Pinellas County Florida U.S.
Typical home value $488,000 $355,100 $359,000 $332,700
Typical monthly rent $1,942 $1,642 $1,669 $1,413
Typical yearly household income $99,333 $72,646 $74,568 $80,734
Households that own their home 83% 70% 68% 65%
Typical yearly property tax $4,043 $2,474 $2,730 $3,119
Effective property tax rate 0.83% 0.7% 0.76% 0.94%
Renters with high rent for their income 63% 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 East Lake

For a typical $488,000 home in East Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,003a month

    Least cash to close
    Down payment
    $17,080
    Cash to close
    $31,720
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $216

  • Conventional, 5% down $3,913a month

    Down payment
    $24,400
    Cash to close
    $39,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $232

  • Conventional, 20% down, no PMI $3,186a month

    Down payment
    $97,600
    Cash to close
    $112,240
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,637a month

    Down payment
    $73,200
    Cash to close
    $87,840
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for East Lake and for Pinellas County.

Property tax

Effective rate in East Lake

0.83%of the home’s value each year

$4,043 a year for the typical owner in East Lake.

  • East Lake 0.83%
  • Pinellas 0.7%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Pinellas County

FEMA does not publish these numbers by city: they are for all of Pinellas County.

Homes in the high-risk zone
1.2%
4,807
Of those, with NFIP insurance
—
County Florida U.S.
Homes in the high-risk zone 1.2% 13% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Lake

Typical rent in East Lake is $1,942 a month: 18% above the county. In East Lake, 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.

HUD fair market rent for all of Pinellas County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 East Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Lake has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,800 in 34688 to $2,360 in 34685.

1 of the 2 is above the fair market rent for Pinellas County ($1,917).

  • 34685 $2,360$3,010
  • 34688 $1,800$2,300

A ZIP code counts for East Lake 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in East Lake

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.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in East Lake

No down payment, repair or rent-help program on our list is for East Lake or Pinellas County. The ones below are statewide in Florida: they work in East Lake the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near East Lake

The HUD-approved agencies closest to the center of East Lake, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS

    2139 NE Coachman Rd, Clearwater · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (727) 442-7075

  • Clearwater Neighborhood Housing Services, Inc.

    608 N Garden Ave, Clearwater · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (727) 442-4155

  • NSC (naca Counseling Subsidiary) - Tampa, FL

    3824 W. Sligh Avenue, Tampa · 14 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (813) 287-5051

Every agency in Pinellas County All counseling agencies in Florida

Help in Spanish near East Lake

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of East Lake

HUD’s record names them for East Lake or Pinellas County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pinellas County Housing Authority Public housing and Section 8 vouchers (727) 443-7684

5 other authorities have an office in Pinellas County: see the list Source: HUD

Cities

Other cities in Pinellas County

These cities are also in Pinellas County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pinellas County Housing in Florida
See 6 more cities in Pinellas County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to East Lake, with the typical home value.

Neighboring counties

If Pinellas County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in East Lake.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about East Lake

Short answers with the numbers for East Lake 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 East Lake?

The typical home value in East Lake is $488,000, 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 East Lake?

Typical rent in East Lake is $1,942 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 East Lake?

East Lake 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 East Lake?

The typical homeowner in East Lake pays $4,043 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Pinellas County, the rate is 0.7%.

Where can I find free help to buy or rent in East Lake?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).