$235,000
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Belleair Bluffs, FL
2 bd2 ba1,133 sqft$207/ft²
Condo
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Sarah Mitchell
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Compass Real Estate · Belleair Bluffs, FL
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Belleair Bluffs, FL(512) 555-0184TX License #0512847
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Belleair Bluffs, FL Housing Market
Buyer's market-1.5% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Belleair Bluffs, FL is worth $382,785, fell 1.5% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $265,000, +33.8% year over year (through May 2026). With 7.5 months of supply and homes going under contract in about 27 days, Belleair Bluffs is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $382,785 home is about $1,968/mo in principal and interest.
Key numbers for Belleair Bluffs, FL
Typical home value
$382,785
-1.5% in 12 months
Zillow, July 2026
Median sale price
$265,000
+33.8% year over year
Redfin, through May 2026
Days on market
27
Average pace
Redfin, through May 2026
Active listings
30
7.5 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
$55,688
Home costs 6.9x income
U.S. Census ACS, 2023
Sale-to-list ratio
96.6%
Selling below asking
Redfin, through May 2026
Zillow figures are as of July 2026 and 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 Belleair Bluffs a buyer's or seller's market?
Buyer's market7.5 months of supply27 days on market96.6% of asking
Belleair Bluffs, FL is a buyer's market, based on 7.5 months of supply and homes selling in about 27 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Belleair Bluffs housing market data show?
Every row below is Redfin's final published month for Belleair Bluffs, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $265,000 |
| Median list price | $280,000 |
| Year-over-year price change | +33.8% |
| Median price per sq ft | $252/sq ft |
| Median days on market | 27 days |
| Active inventory | 30 listings |
| Months of supply | 7.5 months |
| Sale-to-list price ratio | 96.6% |
| Homes sold (that month) | 4 |
| New listings (that month) | 8 |
| Listings with a price cut | 30.0% |
| Market condition | Buyer's market |
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 Belleair Bluffs is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Belleair Bluffs 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 Belleair Bluffs home prices moved?
Over the last three years the median sale price in Belleair Bluffs, FL rose 10.4%, from $240,000 to $265,000. The live Zillow value series has fell 1.5% in the last 12 months, which is the more current read now that Redfin's series has stopped. 30.0% of Belleair Bluffs listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 7.5 months while the sale-to-list ratio slips below its current 96.6%. 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 Belleair Bluffs?
Priced off the typical home value of $382,785 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% | $76,557 | $306,228 | $1,968/mo |
| 5% | $19,139 | $363,646 | $2,337/mo |
Zillow, July 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 $1,968, that implies roughly $84,339 a year before you add taxes and insurance. The median household in Belleair Bluffs earns $55,688, about $28,651 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 6.9x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Belleair Bluffs in the next 12 months?
Tell us your timeline. We send the Belleair Bluffs 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 Belleair Bluffs?
Zillow does not publish a rent index (ZORI) for Belleair Bluffs, 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 Belleair Bluffs?
Active listings in Belleair Bluffs, FL went from 39 in May 2025 to 30 in May 2026, a -23.1% 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 | 40 | 8 |
| July 2025 | 34 | 9 |
| August 2025 | 33 | 7 |
| September 2025 | 41 | 13 |
| October 2025 | 42 | 7 |
| November 2025 | 41 | 5 |
| December 2025 | 35 | 1 |
| January 2026 | 35 | 9 |
| February 2026 | 33 | 8 |
| March 2026 | 29 | 6 |
| April 2026 | 30 | 10 |
| May 2026 | 30 | 8 |
Redfin, through May 2026
How does Belleair Bluffs compare to Florida and the U.S.?
Belleair Bluffs homes sell for $265,000 — 37% below the Florida median of $421,500. Against the national median of $410,700, Belleair Bluffs runs 35% lower. Year-over-year, Belleair Bluffs moved +33.8% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Belleair Bluffs, FL | $265,000 | +33.8% | 27 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 Belleair Bluffs
What buyers should watch
- Months of supply, currently 7.5. 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 30.0%. 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 $369 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 $382,785 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 Belleair Bluffs listing goes under contract in 27 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 96.6% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Belleair Bluffs added 8 new listings against 4 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -1.5% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Belleair Bluffs varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Belleair Bluffs
There are currently 30 homes listed for sale in Belleair Bluffs, Florida. The median listing price is $280K. Featured listings range from $235,000 to $5,999,000.
$249,900
100 Bluff View Dr Apt 317A
Belleair Bluffs, FL
1 bd1 ba880 sqft$284/ft²
Condo37,026 sqft lot
View photos & details
$289,900
55 Harbor View Ln Apt 301
Belleair Bluffs, FL
2 bd2 ba1,162 sqft$249/ft²
Condo27,878 sqft lot
View photos & details
$325,000
100 Bluff View Dr Apt 114A
Belleair Bluffs, FL
2 bd2 ba1,565 sqft$208/ft²
Condo37,026 sqft lot
View photos & details
$399,900
100 Bluff View Dr Apt 514A
Belleair Bluffs, FL
2 bd2 ba1,565 sqft$256/ft²
Condo36,590 sqft lot
View photos & details
$440,000
2214 Duncan Dr
Belleair Bluffs, FL
2 bd2 ba1,100 sqft$400/ft²
House8,276 sqft lot
View photos & details
$519,000
259 Mineola Dr E
Belleair Bluffs, FL
2 bd2 ba1,158 sqft$448/ft²
House10,890 sqft lot
View photos & details
$529,000
2239 Duncan Dr
Belleair Bluffs, FL
3 bd2 ba1,573 sqft$336/ft²
House7,841 sqft lot
View photos & details
$585,000
100 Bluff View Dr Apt 604C
Belleair Bluffs, FL
2 bd2 ba1,580 sqft$370/ft²
Condo42,253 sqft lot
View photos & details
$625,000
2268 Indian Ave N
Belleair Bluffs, FL
4 bd2 ba2,299 sqft$272/ft²
House9,148 sqft lot
View photos & details
$649,000
772 Palmer Rd
Belleair Bluffs, FL
4 bd3 ba1,802 sqft$360/ft²
House9,583 sqft lot
View photos & details
$5,999,000
110 Harbor View Ln
Belleair Bluffs, FL
5 bd4 ba5,907 sqft$1016/ft²
House1.08 acres
View photos & details
Looking to buy in Belleair Bluffs?
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Active listings
30
Homes on market
Median list price
$280K
Avg. days on market
27
Days until sale
New this week
8
Newly listed
Price drops:30.0%of listings
Sale-to-list:96.6%
How much do homes cost in Belleair Bluffs by property type?
How the Belleair Bluffs, 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 | $250,000 | $238/sq ft | 3 | 4 days |
Who lives in Belleair Bluffs?
American Community Survey estimates for Belleair Bluffs. U.S. Census ACS, 2023
Population
2,394
Households
1,198
Median income
$55,688/yr
Median age
61 years
Owner-occupied
63.4%
Median home value
$393,100
Median gross rent
$1,216/mo
Mean commute
20.3 min
63.4% of occupied homes in Belleair Bluffs 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. The Census self-reported median home value is $393,100 against Zillow's $382,785 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Belleair Bluffs, FL?
Ordered by distance from Belleair Bluffs, not by size. Compare Belleair Bluffs side by side with any of them.
Belleair Bluffs housing market FAQ
Is Belleair Bluffs a buyer's or seller's market?
Belleair Bluffs, FL is currently a buyer's market. That read comes from 7.5 months of supply, homes going under contract in about 27 days, and sellers getting 96.6% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Belleair Bluffs?
The typical home in Belleair Bluffs, FL is worth $382,785 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $265,000, about $252 per square foot.
Is Belleair Bluffs cheaper than the rest of Florida?
Belleair Bluffs's median sale price of $265,000 is 37% lower than the Florida statewide median of $421,500, and 35% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Belleair Bluffs?
Homes in Belleair Bluffs, FL spent a median of 27 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 Belleair Bluffs?
At the current 30-year fixed rate of 6.66%, 20% down on a $382,785 home is about $1,968 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $84,339 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $55,688.
Are home prices rising in Belleair Bluffs?
The typical home value in Belleair Bluffs, FL fell 1.5% over the last 12 months, from $388,723 to $382,785 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Belleair Bluffs?
Belleair Bluffs 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 Belleair Bluffs?
That depends on your timeline, not on a headline. What the data says today: Belleair Bluffs, FL is a buyer's market with 7.5 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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