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City · 6,553 residents · Pinellas County, Florida

Treasure Island , Florida

In Treasure Island, a typical home is worth $621,600 and typical rent is $1,631 a month. Compared with all of Pinellas County, the typical home value is 75% higher and typical household income is 20% higher.

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  • Typical home value

    $621,600

    75% above the county

    73% above Florida

    • Treasure Island
    • Pinellas
    • Florida

  • Typical rent

    $1,631a month

    About the same as the county

    2% below Florida

    • Treasure Island
    • Pinellas
    • Florida

  • Typical household income

    $87,107a year

    20% above the county

    17% above Florida

    • Treasure Island
    • Pinellas
    • Florida

  • Households that own their home

    74%

    5 points above the county

    7 points above Florida

    • Treasure Island
    • Pinellas
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$531,324
0.5% less than 12 months ago
Typical rent
$2,617 a month
5.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Treasure Island 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 Treasure Island apart

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

  1. The typical home in Treasure Island is worth $621,600, 75% more than in Pinellas County as a whole ($355,100).

  2. Nearby, in West Lealman, the typical home value is $169,100: 73% less than in Treasure Island ($621,600).

  3. Nearby, in West Lealman, the typical rent is $1,302: 20% less than in Treasure Island ($1,631).

  4. The typical household income in Treasure Island is $87,107, 20% more than in Pinellas County as a whole ($72,646).

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

The homes here

Housing in Treasure Island

What homes there are in Treasure Island, 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

There are more apartments in Treasure Island than in Pinellas County: 43% of homes, against 30%.

Year built

The typical home in Treasure Island was built in 1970, 7 years before the typical one in Pinellas County.

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

$2,837 a month

Pinellas County: $1,948 a month

Without a mortgage

$1,317 a month

Pinellas County: $734 a month

Owners with a mortgage

39%

Pinellas County: 51%

In Treasure Island, 39% of owners have a mortgage, and their typical cost is $2,837 a month, against $1,948 in Pinellas County. Without one it drops to $1,317.

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 Treasure Island gained value more slowly than in Pinellas County: 63% since 2015–2019, against 77%.

Since 2015–2019, the typical rent in Treasure Island rose 32%, less than in Pinellas County (48%).

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

MeasureTreasure IslandPinellas CountyFloridaUnited States
Rental vacancy 23.8%9.1%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 1.702.202.512.53
Drive alone 59%68%70%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 36%20%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Treasure Island: 23.8% is empty and offered for rent, against 9.1% in Pinellas County.

Households in Treasure Island are smaller: 1.70 people on average; in Pinellas County, 2.20.

Many people here do not commute at all: 36% 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 Treasure Island?

A typical home costs more than the typical income allows

We start with a typical home in Treasure Island, worth $621,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 70% of the typical household income in Treasure Island, which is $87,107 a year. For that payment to be 28% of income, a household would need to earn about $218,509 a year. Note: at that price the loan is above the FHA limit for Pinellas County ($541,287), so FHA would not insure it; the payment is only a reference.

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 Treasure Island. 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 $21,756 (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

$5,099

at 7.18% · 30 years

Loan amount
$610,341
Total interest
$878,138
Paid off in
November 2056

Includes $10,497 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,032 a month

  • Tight

    $2,032 to $2,613 a month

  • Hard

    more than $2,613 a month

    Your payment · 70%

Compared with the typical household income in Treasure Island ($87,107 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,099
Principal & interest$4,135
Property tax$430
Home insurance$259
FHA mortgage insurance (MIP)$275

This loan is over the FHA limit

You'd borrow $599,844, but the FHA limit for a one-unit home in Treasure Island is $541,287. You'd need a bigger down payment or a different loan.

You need at least $21,756 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

Treasure Island and Pinellas County

Treasure Island 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).

Treasure Island's own numbers

Typical home value
$621,600
Typical monthly rent
$1,631
Typical yearly household income
$87,107
Households that own their home
74%
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 Treasure Island

A typical home in Treasure Island is worth $621,600: 75% above the county and 73% above Florida. With the typical household income in Treasure Island ($87,107 a year), a typical home costs 7.1 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.

  • Treasure Island 7.1 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

Treasure Island 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
  • Treasure Island $621,600
  • Pinellas $355,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Treasure Island $1,631
  • Pinellas $1,642
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Treasure Island $87,107
  • Pinellas $72,646
  • Florida $74,568
  • United States $80,734
See the full table
Treasure Island next to Pinellas County and Florida
Measure Treasure Island Pinellas County Florida U.S.
Typical home value $621,600 $355,100 $359,000 $332,700
Typical monthly rent $1,631 $1,642 $1,669 $1,413
Typical yearly household income $87,107 $72,646 $74,568 $80,734
Households that own their home 74% 70% 68% 65%
Typical yearly property tax $5,183 $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 67% 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 Treasure Island

For a typical $621,600 home in Treasure Island, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Treasure Island's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,099a month

    Above the FHA limit for Pinellas County ($541,287)
    Down payment
    $21,756
    Cash to close
    $40,404
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $275

  • Conventional, 5% down $4,985a month

    Least cash to close
    Down payment
    $31,080
    Cash to close
    $49,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $295

  • Conventional, 20% down, no PMI $4,058a month

    Down payment
    $124,320
    Cash to close
    $142,968
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,632a month

    Down payment
    $93,240
    Cash to close
    $111,888
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Treasure Island and for Pinellas County.

Property tax

Effective rate in Treasure Island

0.83%of the home’s value each year

$5,183 a year for the typical owner in Treasure Island.

  • Treasure Island 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 Treasure Island

Typical rent in Treasure Island is $1,631 a month: about the same as the county. In Treasure Island, 67% 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 Treasure Island

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Treasure Island is in ZIP code 33706.

For 2 bedrooms it is $2,060: $143 more than the fair market rent for Pinellas County ($1,917).

  • 33706 $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 Treasure Island 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 Treasure Island

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Treasure Island

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Treasure Island

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

  • ST. Petersburg Neighborhood Housing Services, Inc.dba Neighborhood Home Solutions

    1600 Dr M L King St N, St Petersburg · 8 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (727) 821-6897

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    13921 Icot Blvd, Clearwater · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (866) 395-5769

  • TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS

    2139 NE Coachman Rd, Clearwater · 14 miles away

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

Every agency in Pinellas County All counseling agencies in Florida

Help in Spanish near Treasure Island

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 Treasure Island

HUD’s record names them for Treasure Island 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 Treasure Island, 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 Treasure Island.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Treasure Island

Short answers with the numbers for Treasure Island 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 Treasure Island?

The typical home value in Treasure Island is $621,600, 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 Treasure Island?

Typical rent in Treasure Island is $1,631 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 Treasure Island?

Treasure Island 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 Treasure Island?

The typical homeowner in Treasure Island pays $5,183 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 Treasure Island?

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).