Real Estate Investing in Town 'n' Country, Florida (33634)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Hillsborough County • Population: 21,643 • Data updated: September 2026

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Should you buy in 33634 (Town 'n' Country, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Town 'n' Country, FL (33634)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $379,505
Avg Monthly Rent $1,773
1% Rule ✗ Does Not Meet
Median Income $64,830
% Renters 44.1%

Market Analysis: 33634 Town 'n' Country

On balance, ZIP 33634 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $380K median. It rewards specialists, not generalists.

Rent of $1,773/mo on a $380K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 33634 sits below the stated 0.0% once reality is priced in.

ZIP 33634's metrics run below Hillsborough County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Demographically, 33634 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategically, 33634 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Town 'n' Country:

B Good
Buy Confidence Score: 70/100
Affordability
10/25
Appreciation
22/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.9× the median income
Value Trend
Stable (+1.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,773/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Tampa-St. Petersburg-Clearwater, FL Metro Area
More inventory, negotiating room for buyers
71 days
Average time to sell
Slow
10.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Tampa-St. Petersburg-Clearwater, FL metro data
🏠

Property Strategy for 33634

Which property type performs best in this market?

Best for Cash Flow
2BR
5.8% cap rate
Best for Appreciation
3BR
+9.2% 5yr CAGR
Best Overall Value
5BR
$104,525/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $282,968 $2,290 5.8% +8.6% $141,484
3BR $371,336 $2,930 5.7% +9.2% $123,779
4BR $456,918 $3,560 5.6% +9.0% $114,230
5BR $522,623 +8.7% $104,525

Market Trends

Home Value History (with trend line)

$408K$341K$273K$205K$138K$70KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,925$1,759$1,593$1,428$1,262$1,096Jan 2021Oct 2023Jul 2026

📊 How Does 33634 Compare?

Metric 33634 Town 'n' Country Tampa-St. Petersburg-Clearwater, FL Florida
Home Value $379,505 $397,866 N/A $374,697
5-Year CAGR 6.2% 5.8% N/A 7.4%
Avg Rent $1,773 $1,775 N/A -
Cap Rate 3.6% 3.5% - -
💡 Why Invest in 33634? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 44% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 33634 (Town 'n' Country, FL). Anonymous, moderated, never written by AI.

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Property managers serving Hillsborough County

Manage rentals here? List your business →

Dennis Property Management offers rental agency and management services in the Tampa Bay area, including multi-family management, investor packages, and resources for homeowners and tenants. summary from their website

Small multifamily
Unclaimed — is this your business? Claim it free

Gain Property Group offers commercial real estate brokerage, property and asset management, and investment opportunities. summary from their website

Commercial
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Ocean Blue Property Management offers residential, multi-family, commercial, and vacation property management services in Tampa Bay and Fort Myers. summary from their website

Single-familySmall multifamilyCommercialShort-term rentals
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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+6.2%
Strong

📊 Market Snapshot

Home Value $379,505
Monthly Rent $1,773
Price-to-Rent 17.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.6%
5-Year IRR 9.9%

📈 Home Appreciation

1-Year +1.8% ▲
3-Year CAGR +1.3% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +9.0% ▲

🏠 Rent Trends

1-Year -0.3% ▼
3-Year CAGR +0.4% ▲
5-Year CAGR +5.6% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
4.2%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.2%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 33634

Population: 21,643

💰 Median Household Income
$64,830
This area
$64,830
State
$70,737
USA
$74,580
🏠 Renter Occupied
44.1%
This area
44.1%
State
29.9%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-18.0%
USA
3.7%
🎓 College Educated
27.6%
This area
27.6%
State
4.7%
USA
33.7%
👤 Median Age
38.0 years
This area
38.0 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
4.2%
This area
4.2%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 55.6%
Other/Mixed 34.8%
Hispanic/Latino 31.9%
Black/African American 7.1%
Asian 2.5%
👶 Under 18
20.0%
This area
20.0%
USA
22.0%
👴 65 and Over
12.3%
This area
12.3%
USA
17.3%
📊 Poverty Rate
10.0%
This area
10.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 33634

B Avg School Grade
4 Schools
16.9:1 Avg Class Size
$11,744 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

TOWN & COUNTRY ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
401 Students
👨‍🏫
12.9:1 Class Size
💰
$11,744 Per Student
B Good

MORGAN WOODS ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
494 Students
👨‍🏫
16.2:1 Class Size
💰
$11,744 Per Student
B Good

HORIZON CHARTER SCHOOL OF TAMPA

📚 K – 08 School Charter
👥
312 Students
👨‍🏫
15.6:1 Class Size
💰
$11,744 Per Student
C+ Average

WEBB MIDDLE SCHOOL

📚 06 – 08 Middle
👥
794 Students
👨‍🏫
22.7:1 Class Size
💰
$11,744 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

ALEXANDER ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 5602 N LOIS AVE, TAMPA
👥
499 Students
👨‍🏫
14.3:1 Class Size
💰
$11,744 Per Student
B+ Above Average

DAVIS ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 10907 MEMORIAL HWY, TAMPA
👥
534 Students
👨‍🏫
14.1:1 Class Size
💰
$11,744 Per Student
B Good

BELLAMY ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 9720 WILSKY BLVD, TAMPA
👥
605 Students
👨‍🏫
17.8:1 Class Size
💰
$11,744 Per Student
B Good

CRESTWOOD ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 7824 N MANHATTAN AVE, TAMPA
👥
774 Students
👨‍🏫
16.3:1 Class Size
💰
$11,744 Per Student
B Good

DICKENSON ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 4720 KELLY RD, TAMPA
👥
604 Students
👨‍🏫
17.5:1 Class Size
💰
$11,744 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby
C
National Personal Training Institute-Tampa
26 students · 1.7 mi
B
Faith Theological Seminary and Christian College
102 students · 2.3 mi
D
Shear Excellence Hair Academy
149 students · 2.9 mi
D
South University-Tampa
720 students · 3.3 mi
C+
Summit Salon Academy
222 students · 3.3 mi
D
Arizona College of Nursing-Tampa
337 students · 3.9 mi
D
Concorde Career Institute-Tampa
132 students · 3.9 mi
C
Paul Mitchell the School-Tampa
136 students · 4.6 mi

Frequently Asked Questions

How do home values compare in Town 'n' Country, FL?

In Town 'n' Country, FL the median home value sits at $380K. Against the broader FL market, that reads as reasonable for most investors.

How strong is tenant demand in Town 'n' Country, FL?

Working renters make up the core of the Town 'n' Country, FL tenant base. The pool is reasonable for investors targeting long-term holds.

Where do rents currently stand in Town 'n' Country, FL?

Investors in Town 'n' Country, FL typically see rents near $1,773/mo per month against $380K home values - a solid setup for rental cash flow.

Should investors consider Town 'n' Country, FL?

The 3.0/5 investability rating in Town 'n' Country, FL reflects its $380K prices and $1,773/mo rents. Investors generally consider it a solid option within FL.

What is the best play in Town 'n' Country, FL?

Town 'n' Country, FL investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($380K prices, $1,773/mo rents) make it a reasonable choice.

You know 33634 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 33634 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 33634 ranks in Tampa-St. Petersburg-Clearwater, FL

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Cash Flow → Appreciation → Affordable →
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