Real Estate Investing in Town 'n' Country, Florida (33635)

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

Hillsborough County • Population: 19,415 • Data updated: September 2026

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Should you buy in 33635 (Town 'n' Country, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

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 (33635)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $443,930
Avg Monthly Rent $1,939
1% Rule ✗ Does Not Meet
Median Income $80,653
% Renters 37.1%

Market Analysis: 33635 Town 'n' Country

ZIP 33635 in Town 'n' Country, FL carries a significant set of headwinds. Home values near $444K and rents of $1,939/mo sit inside a market where underwriting has to be tight.

For an experienced owner, 33635 can be a a solid fit for hunting ground — but the discount at $444K reflects genuine risk that outside investors often underestimate.

In the broader FL picture, 33635 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 33635 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.

Experienced landlords with local relationships tend to find 33635 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
18/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.5× the median income
Value Trend
Declining (-2.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,939/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 33635

Which property type performs best in this market?

Best for Cash Flow
2BR
6.4% cap rate
Best for Appreciation
5BR
+9.0% 5yr CAGR
Best Overall Value
2BR
$132,264/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $264,528 $2,340 6.4% +6.8% $132,264
3BR $419,872 $2,990 5.1% +8.1% $139,957
4BR $552,358 $3,640 4.7% +8.9% $138,090
5BR $664,291 +9.0% $132,858

Market Trends

Home Value History (with trend line)

$491K$418K$346K$273K$201K$128KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,014$1,947$1,880$1,813$1,746$1,679Apr 2022Jun 2024Jul 2026

📊 How Does 33635 Compare?

Metric 33635 Town 'n' Country Tampa-St. Petersburg-Clearwater, FL Florida
Home Value $443,930 $397,866 N/A $374,697
5-Year CAGR 4.9% 5.8% N/A 7.4%
Avg Rent $1,939 $1,775 N/A -
Cap Rate 3.4% 3.5% - -
💡 Why Invest in 33635? Click to expand

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

A healthy rental market with 37% 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 33635 (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
Unclaimed — is this your business? Claim it free

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
3.4%
Low
5yr Growth
+4.9%
Moderate

📊 Market Snapshot

Home Value $443,930
Monthly Rent $1,939
Price-to-Rent 19.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year -2.1% ▼
3-Year CAGR -0.6% ▼
5-Year CAGR +4.9% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year +0.9% ▲
3-Year CAGR +1.1% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
7.5%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 33635

Population: 19,415

💰 Median Household Income
$80,653
This area
$80,653
State
$70,737
USA
$74,580
🏠 Renter Occupied
37.1%
This area
37.1%
State
29.9%
USA
34.0%
💼 Unemployment Rate
3.3%
This area
3.3%
State
-18.0%
USA
3.7%
🎓 College Educated
37.9%
This area
37.9%
State
4.7%
USA
33.7%
👤 Median Age
38.2 years
This area
38.2 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
7.5%
This area
7.5%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 71.8%
Other/Mixed 16.4%
Hispanic/Latino 14.4%
Asian 7.3%
Black/African American 4.4%
👶 Under 18
20.9%
This area
20.9%
USA
22.0%
👴 65 and Over
13.1%
This area
13.1%
USA
17.3%
📊 Poverty Rate
7.6%
This area
7.6%
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 33635

C+ Avg School Grade
3 Schools
19.7:1 Avg Class Size
$11,744 Avg Per Pupil

Schools in This ZIP Code

B Good

HILLSBOROUGH ACADEMY OF MATH AND SCIENCE

📚 K – 08 School Charter
👥
835 Students
👨‍🏫
16.4:1 Class Size
💰
$11,744 Per Student
B Good

LOWRY ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
792 Students
👨‍🏫
18.4:1 Class Size
💰
$11,744 Per Student
C Below Average

ALONSO HIGH SCHOOL

📚 09 – 12 High School
👥
2,930 Students
👨‍🏫
24.2:1 Class Size
💰
$11,744 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

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

DICKENSON ELEMENTARY SCHOOL

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

WOODBRIDGE ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 8301 WOODBRIDGE BLVD, TAMPA
👥
669 Students
👨‍🏫
15.9:1 Class Size
💰
$11,744 Per Student
B Good

BRYANT ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 13910 NINE EAGLES DR, TAMPA
👥
898 Students
👨‍🏫
16.5:1 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
B
Faith Theological Seminary and Christian College
102 students · 2.3 mi
C
Paul Mitchell the School-Tampa
136 students · 4.1 mi
C
National Personal Training Institute-Tampa
26 students · 5.5 mi
C+
Summit Salon Academy
222 students · 6.0 mi
D
Shear Excellence Hair Academy
149 students · 7.0 mi
D
Arizona College of Nursing-Tampa
337 students · 7.5 mi
D
South University-Tampa
720 students · 7.8 mi
D
Concorde Career Institute-Tampa
132 students · 7.8 mi

Frequently Asked Questions

What is the investability score for Town 'n' Country, FL?

Yes - Town 'n' Country, FL a 3.0/5 investability score. With $444K home prices against $1,939/mo monthly rent, the market delivers a reasonable entry point for new investors.

What is the smart move for investors in Town 'n' Country, FL?

In Town 'n' Country, FL the impressive play is typically careful cash-flow rentals with hands-on management. The combination of $444K prices and $1,939/mo rents suits that approach.

How quickly do rentals get leased in Town 'n' Country, FL?

Vacancy risk in Town 'n' Country, FL is elevated. That supports steady cash flow for typical rental holds.

How deep is the rental pool in Town 'n' Country, FL?

The tenant pool in Town 'n' Country, FL is solid, supported by local employment and population fundamentals. Rents of $1,939/mo are well-absorbed by the market.

Is Town 'n' Country, FL good for landlords?

For rental operators, Town 'n' Country, FL rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

You know 33635 now. You don’t know where it ranks.

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How 33635 ranks in Tampa-St. Petersburg-Clearwater, FL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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