$89,900
10035 63rd Ave N Apt 6
Bay Pines, FL
1 bd1 ba790 sqft$114/ft²
Condo11.34 acres
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Bay Pines, FL Housing Market
Leaning buyer's-61.9% YoY
Redfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The last median sale price Redfin published was $99,000, -61.9% year over year (through May 2026). With 6.5 months of supply and homes going under contract in about 44 days, Bay Pines is a leaning buyer's. At today's 6.66% 30-year fixed rate, 20% down on a $99,000 home is about $509/mo in principal and interest.
Key numbers for Bay Pines, FL
Median sale price
$99,000
-61.9% year over year
Redfin, through May 2026
Days on market
44
Average pace
Redfin, through May 2026
Active listings
26
6.5 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$67,012
Home costs 1.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.2%
Selling below asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Bay Pines a buyer's or seller's market?
Leaning buyer's6.5 months of supply44 days on market98.2% of asking
Bay Pines, FL is a leaning buyer's, based on 6.5 months of supply and homes selling in about 44 days. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Bay Pines housing market data show?
Every row below is Redfin's final published month for Bay Pines, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $99,000 |
| Median list price | $374,450 |
| Year-over-year price change | -61.9% |
| Median price per sq ft | $124/sq ft |
| Median days on market | 44 days |
| Active inventory | 26 listings |
| Months of supply | 6.5 months |
| Sale-to-list price ratio | 98.2% |
| Homes sold (that month) | 4 |
| New listings (that month) | 8 |
| Listings with a price cut | 23.1% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Bay Pines is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Bay Pines is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Bay Pines home prices moved?
Over the last three years the median sale price in Bay Pines, FL fell 67.3%, from $302,500 to $99,000. 23.1% of Bay Pines listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 6.5 months while the sale-to-list ratio slips below its current 98.2%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Bay Pines?
Priced off the median sale price of $99,000 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $19,800 | $79,200 | $509/mo |
| 5% | $4,950 | $94,050 | $604/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $509, that implies roughly $21,812 a year before you add taxes and insurance. The median household in Bay Pines earns $67,012, about $45,200 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 1.5x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Bay Pines in the next 12 months?
Tell us your timeline. We send the Bay Pines market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Bay Pines?
Zillow does not publish a rent index (ZORI) for Bay Pines, FL, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Bay Pines?
Active listings in Bay Pines, FL went from 34 in May 2025 to 26 in May 2026, a -23.5% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 30 | 5 |
| July 2025 | 31 | 10 |
| August 2025 | 26 | 4 |
| September 2025 | 25 | 4 |
| October 2025 | 23 | 6 |
| November 2025 | 26 | 5 |
| December 2025 | 28 | 7 |
| January 2026 | 27 | 9 |
| February 2026 | 26 | 9 |
| March 2026 | 21 | 7 |
| April 2026 | 22 | 9 |
| May 2026 | 26 | 8 |
Redfin, through May 2026
How does Bay Pines compare to Florida and the U.S.?
Bay Pines homes sell for $99,000 — 77% below the Florida median of $421,500. Against the national median of $410,700, Bay Pines runs 76% lower. Year-over-year, Bay Pines moved -61.9% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Bay Pines, FL | $99,000 | -61.9% | 44 days |
| Florida statewide | $421,500 | +2.6% | 66 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Bay Pines
What buyers should watch
- Months of supply, currently 6.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 23.1%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $95 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $99,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Bay Pines listing goes under contract in 44 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 98.2% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Bay Pines added 8 new listings against 4 sales — more competition arriving than clearing, so early timing matters.
- Comparable ZIP-level pricing inside Bay Pines varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Bay Pines
There are currently 26 homes listed for sale in Bay Pines, Florida. The median listing price is $374K. Featured listings range from $89,900 to $650,000.
$99,900
10035 63rd Ave N Apt 3
Bay Pines, FL
2 bd2 ba1,010 sqft$99/ft²
Condo11.34 acres
View photos & details
$109,500
9940 47th Ave N Apt 105
Bay Pines, FL
1 bd1 ba745 sqft$147/ft²
Condo1.77 acres
View photos & details
$120,000
10032 65th Ave N Apt 9
Bay Pines, FL
2 bd1 ba1,010 sqft$119/ft²
Condo
View photos & details
$129,000
10037 62nd Ter N Apt 9
Bay Pines, FL
2 bd1 ba1,010 sqft$128/ft²
Condo11.34 acres
View photos & details
$137,500
9950 62nd Ter N Apt 404
Bay Pines, FL
2 bd2 ba1,120 sqft$123/ft²
Condo11.34 acres
View photos & details
$139,888
9950 62nd Ter N Apt 319
Bay Pines, FL
2 bd2 ba1,255 sqft$111/ft²
Condo
View photos & details
$149,900
10032 65th Ave N Apt 8
Bay Pines, FL
2 bd2 ba1,070 sqft$140/ft²
Condo11.34 acres
View photos & details
$320,000
10512 51st Ter N
Bay Pines, FL
3 bd1 ba1,068 sqft$300/ft²
House6,534 sqft lot
View photos & details
$440,000
4990 99th St N
Bay Pines, FL
3 bd2 ba1,438 sqft$306/ft²
House6,970 sqft lot
View photos & details
$529,900
5287 99th Way N
Bay Pines, FL
3 bd2 ba1,420 sqft$373/ft²
House8,276 sqft lot
View photos & details
$650,000
4665 Woodland Dr
Bay Pines, FL
3 bd2 ba1,482 sqft$439/ft²
House10,890 sqft lot
View photos & details
Looking to buy in Bay Pines?
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Active listings
26
Homes on market
Median list price
$374K
Avg. days on market
44
Days until sale
New this week
8
Newly listed
Price drops:23.1%of listings
Sale-to-list:98.2%
How much do homes cost in Bay Pines by property type?
How the Bay Pines, FL market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Condo / co-op | $98,000 | $114/sq ft | 3 | 57 days |
Who lives in Bay Pines?
American Community Survey estimates for Bay Pines. U.S. Census ACS, 2023
Population
2,700
Households
1,350
Median income
$67,012/yr
Median age
62.6 years
Owner-occupied
91.0%
Median home value
$248,400
Median gross rent
$1,219/mo
Mean commute
34.3 min
91.0% of occupied homes in Bay Pines are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Bay Pines, FL?
Ordered by distance from Bay Pines, not by size. Compare Bay Pines side by side with any of them.
Bay Pines housing market FAQ
Is Bay Pines a buyer's or seller's market?
Bay Pines, FL is currently a leaning buyer's. That read comes from 6.5 months of supply, homes going under contract in about 44 days, and sellers getting 98.2% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Bay Pines?
The median sale price in the last month Redfin published was $99,000, about $124 per square foot.
Is Bay Pines cheaper than the rest of Florida?
Bay Pines's median sale price of $99,000 is 77% lower than the Florida statewide median of $421,500, and 76% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Bay Pines?
Homes in Bay Pines, FL spent a median of 44 days on market before going under contract, versus 66 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Bay Pines?
At the current 30-year fixed rate of 6.66%, 20% down on a $99,000 home is about $509 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $21,812 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $67,012.
Are home prices rising in Bay Pines?
Redfin's last published year-over-year change for Bay Pines, FL was -61.9%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Bay Pines?
Bay Pines ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Bay Pines?
That depends on your timeline, not on a headline. What the data says today: Bay Pines, FL is a leaning buyer's with 6.5 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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