Homes feel expensive for a simple reason: supply hasn’t kept up with demand. Online chatter often blames “big investors,” but national data shows that’s not the primary driver. In Hillsborough and Pinellas, the neighborhoods with tighter inventory still command firmer pricing, while higher-supply pockets give qualified buyers more leverage. Watch our quick strategy clip: September 2025 Market Update | How buyers and sellers can win now.
FHFA House Price Index — Data & Reports
Many people assume investors are the main reason homes feel unaffordable. Survey results show that belief is widespread, but the market story is mostly about chronic undersupply and sticky owner “lock-in.” As more listings return, the power balance varies block by block.
Treat each micro-area like its own market. Compare your target homes to the freshest pendings and the best active comps. In buyer-friendly pockets, aim for clean terms plus targeted credits or buydowns that lower total monthly cost without weakening your position. For step-by-step planning, read Why Buyers Finally Have Time To Shop Smart.
