Florida · GEOID 12103

Pinellas County

2024 ACS 5-year estimates · population 963,481 · 520,107 housing units

Median household income

$72,646

State $75,325

Median home value

$355,100

State $365,373

Median gross rent

$1,642

State $1,665

Homeownership rate

69.5%

State 67.6%

Renter cost-burden rate

60.1%

≥30% of income

Owner cost-burden rate

27.5%

≥30% of income

Homeowner vacancy

1.5%

Of owner-occupied + for-sale units

Rental vacancy

9.1%

Of renter-occupied + for-rent units

Overall vacancy

17.6%

All housing units

Price-to-income ratio

4.89

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Pinellas County	Florida
Population	963,481	22,416,077
Population density (per sq. mi.)	3,519.06	—
Median household income	$72,646	$75,325
HUD Area Median Income (4-person, 100%)	$104,700	—
Households	428,473	—
Average household size	2.20 people	—
Owner-occupied	69.5%	67.6%
Renter-occupied	30.5%	32.4%
Race	73.6% White · 9.6% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Pinellas County compared with Florida.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

36.8% hold a bachelor's degree or higher (state: 34.1%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	21.4%	$61,061	$1,527	$196,270
1 earner	30.8%	$72,436	$1,811	$238,612
2 earners	38.9%	$124,373	$3,109	$431,939
3+ earners	8.9%	$147,779	$3,694	$519,064

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

428,473

Average size: 2.20 people

Households with children

69,810

16.3% of households

Per-capita income

$48,351

Poverty rate: 10.6%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

69.5% owner-occupied vs. state average 67.6%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 54.1% · Missing middle (2–19 units) 18.8%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

58.7% built before 1980 · Median structure age 1,977.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $355,100.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $1,642.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 91,634 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 4.9% · For rent 14.5% · Seasonal 52.2% · Other 22.7%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

25.1% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 74.9% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

9.2%

47,815 units of 520,107 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

4.0%

20,797 units of 520,107 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$58,117

100% MHI$72,646

120% MHI$87,175

County-wide median from ACS 5-year estimates. A household at 100% MHI in Pinellas County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$64,250	$73,400	$91,750
100% AMI	$73,290	$83,760	$104,700
120% AMI	$87,950	$100,500	$125,650

HUD FMR Area: Tampa-St. Petersburg-Clearwater, FL MSA. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

60.1% of renter households spend ≥30% of income on rent (30.7% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

27.5% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Pinellas County.

Covered employment

447,681

Across 21 sectors

Establishments

41,516

QCEW 2024

Avg annual pay (workforce)

$67,519

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 62 Health care and social assistance NAICS 62	73,957	$69,024	$225,911	−$129,189	$1,726
NAICS 44-45 Retail trade NAICS 44-45	51,554	$41,895	$124,928	−$230,172	$1,047
NAICS 72 Accommodation and food services NAICS 72	50,059	$31,219	$85,188	−$269,912	$780
NAICS 54 Professional, scientific, and technical services NAICS 54	35,768	$89,191	$300,980	−$54,120	$2,230
NAICS 31-33 Manufacturing NAICS 31-33	35,156	$78,494	$261,162	−$93,938	$1,962
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	27,655	$56,050	$177,618	−$177,482	$1,401
NAICS 23 Construction NAICS 23	24,726	$64,898	$210,553	−$144,547	$1,622
NAICS 61 Educational services NAICS 61	23,002	$55,640	$176,091	−$179,009	$1,391
NAICS 52 Finance and insurance NAICS 52	21,707	$134,118	$468,213	+$113,113	$3,353
NAICS 92 Public administration NAICS 92	21,212	$72,784	$239,907	−$115,193	$1,820
NAICS 55 Management of companies and enterprises NAICS 55	14,483	$130,458	$454,589	+$99,489	$3,261
NAICS 42 Wholesale trade NAICS 42	14,410	$95,564	$324,702	−$30,398	$2,389
NAICS 81 Other services (except public administration) NAICS 81	13,945	$49,392	$152,834	−$202,266	$1,235
NAICS 53 Real estate and rental and leasing NAICS 53	10,714	$58,374	$186,268	−$168,832	$1,459
NAICS 71 Arts, entertainment, and recreation NAICS 71	9,813	$52,628	$164,880	−$190,220	$1,316
NAICS 48-49 Transportation and warehousing NAICS 48-49	9,584	$57,517	$183,078	−$172,022	$1,438
NAICS 51 Information NAICS 51	7,860	$91,674	$310,222	−$44,878	$2,292
NAICS 22 Utilities NAICS 22	1,270	$109,854	$377,894	+$22,794	$2,746
NAICS 99 Unclassified NAICS 99	557	$66,287	$215,723	−$139,377	$1,657
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	227	$51,886	$162,118	−$192,982	$1,297
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	22	$122,287	$424,174	+$69,074	$3,057

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	42,110	$29,331	$78,160	−$276,940	$733
NAICS 541 Professional, scientific, and technical services NAICS 541	35,768	$89,191	$300,980	−$54,120	$2,230
NAICS 621 Ambulatory health care services NAICS 621	30,028	$79,065	$263,287	−$91,813	$1,977
NAICS 561 Administrative and support services NAICS 561	26,118	$55,293	$174,800	−$180,300	$1,382
NAICS 622 Hospitals NAICS 622	23,139	$79,402	$264,542	−$90,558	$1,985
NAICS 611 Educational services NAICS 611	23,002	$55,640	$176,091	−$179,009	$1,391
NAICS 238 Specialty trade contractors NAICS 238	18,297	$62,104	$200,153	−$154,947	$1,553
NAICS 551 Management of companies and enterprises NAICS 551	14,483	$130,458	$454,589	+$99,489	$3,261
NAICS 623 Nursing and residential care facilities NAICS 623	14,068	$43,500	$130,902	−$224,198	$1,088
NAICS 445 Food and beverage retailers NAICS 445	12,538	$29,971	$80,543	−$274,557	$749
NAICS 921 Executive, legislative, and other general government support NAICS 921	12,385	$69,835	$228,930	−$126,170	$1,746
NAICS 455 General merchandise retailers NAICS 455	10,481	$34,844	$98,682	−$256,418	$871
NAICS 423 Merchant wholesalers, durable goods NAICS 423	9,970	$96,088	$326,653	−$28,447	$2,402
NAICS 524 Insurance carriers and related activities NAICS 524	9,758	$99,929	$340,950	−$14,150	$2,498
NAICS 531 Real estate NAICS 531	8,916	$57,632	$183,506	−$171,594	$1,441
NAICS 334 Computer and electronic product manufacturing NAICS 334	8,894	$103,725	$355,080	−$20	$2,593
NAICS 522 Credit intermediation and related activities NAICS 522	8,628	$108,401	$372,486	+$17,386	$2,710
NAICS 721 Accommodation NAICS 721	7,949	$41,221	$122,419	−$232,681	$1,031
NAICS 441 Motor vehicle and parts dealers NAICS 441	7,533	$75,368	$249,526	−$105,574	$1,884
NAICS 624 Social assistance NAICS 624	6,722	$41,869	$124,831	−$230,269	$1,047
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	5,867	$30,117	$81,086	−$274,014	$753
NAICS 812 Personal and laundry services NAICS 812	5,596	$39,413	$115,689	−$239,411	$985
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	4,939	$34,922	$98,972	−$256,128	$873
NAICS 922 Justice, public order, and safety activities NAICS 922	4,521	$77,311	$256,758	−$98,342	$1,933
NAICS 456 Health and personal care retailers NAICS 456	4,404	$50,017	$155,161	−$199,939	$1,250
NAICS 811 Repair and maintenance NAICS 811	4,384	$59,082	$188,904	−$166,196	$1,477
NAICS 339 Miscellaneous manufacturing NAICS 339	4,059	$74,637	$246,805	−$108,295	$1,866
NAICS 236 Construction of buildings NAICS 236	4,012	$73,422	$242,282	−$112,818	$1,836
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	3,952	$39,883	$117,439	−$237,661	$997
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	3,673	$34,004	$95,555	−$259,545	$850
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	3,556	$54,458	$171,692	−$183,408	$1,361
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	3,501	$91,316	$308,890	−$46,210	$2,283
NAICS 333 Machinery manufacturing NAICS 333	3,463	$73,829	$243,797	−$111,303	$1,846
NAICS 711 Performing arts, spectator sports, and related industries NAICS 711	3,365	$93,574	$317,295	−$37,805	$2,339
NAICS 325 Chemical manufacturing NAICS 325	3,159	$90,722	$306,679	−$48,421	$2,268
NAICS 523 Securities, commodity contracts, and other financial investments and related activities NAICS 523	3,147	$311,968	$1,130,231	+$775,131	$7,799
NAICS 517 Telecommunications NAICS 517	2,808	$71,431	$234,871	−$120,229	$1,786
NAICS 923 Administration of human resource programs NAICS 923	2,783	$73,880	$243,987	−$111,113	$1,847
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	2,517	$50,178	$155,760	−$199,340	$1,254
NAICS 332 Fabricated metal product manufacturing NAICS 332	2,463	$64,974	$210,836	−$144,264	$1,624
NAICS 237 Heavy and civil engineering construction NAICS 237	2,417	$71,900	$236,617	−$118,483	$1,798
NAICS 492 Couriers and messengers NAICS 492	2,306	$45,562	$138,578	−$216,522	$1,139
NAICS 326 Plastics and rubber products manufacturing NAICS 326	2,201	$65,437	$212,559	−$142,541	$1,636
NAICS 336 Transportation equipment manufacturing NAICS 336	2,099	$67,583	$220,547	−$134,553	$1,690
NAICS 513 Publishing industries NAICS 513	2,086	$113,210	$390,387	+$35,287	$2,830
NAICS 335 Electrical equipment, appliance, and component manufacturing NAICS 335	1,758	$63,787	$206,417	−$148,683	$1,595
NAICS 532 Rental and leasing services NAICS 532	1,700	$59,039	$188,744	−$166,356	$1,476
NAICS 311 Food manufacturing NAICS 311	1,546	$62,468	$201,508	−$153,592	$1,562
NAICS 562 Waste management and remediation services NAICS 562	1,537	$68,909	$225,483	−$129,617	$1,723
NAICS 457 Gasoline stations and fuel dealers NAICS 457	1,516	$32,706	$90,723	−$264,377	$818
NAICS 491 Postal service NAICS 491	1,495	$67,754	$221,184	−$133,916	$1,694
NAICS 323 Printing and related support activities NAICS 323	1,482	$67,148	$218,928	−$136,172	$1,679
NAICS 488 Support activities for transportation NAICS 488	1,460	$55,140	$174,230	−$180,870	$1,379
NAICS 221 Utilities NAICS 221	1,270	$109,854	$377,894	+$22,794	$2,746
NAICS 518 Computing infrastructure providers, data processing, web hosting, and related services NAICS 518	1,206	$127,836	$444,829	+$89,729	$3,196
NAICS 485 Transit and ground passenger transportation NAICS 485	1,117	$61,028	$196,147	−$158,953	$1,526
NAICS 484 Truck transportation NAICS 484	1,047	$58,329	$186,101	−$168,999	$1,458
NAICS 337 Furniture and related product manufacturing NAICS 337	968	$59,744	$191,368	−$163,732	$1,494
NAICS 516 Broadcasting and content providers NAICS 516	950	$87,789	$295,761	−$59,339	$2,195
NAICS 425 Wholesale trade agents and brokers NAICS 425	938	$105,952	$363,370	+$8,270	$2,649
NAICS 493 Warehousing and storage NAICS 493	907	$51,556	$160,889	−$194,211	$1,289
NAICS 924 Administration of environmental quality programs NAICS 924	804	$78,829	$262,409	−$92,691	$1,971
NAICS 321 Wood product manufacturing NAICS 321	584	$66,591	$216,855	−$138,245	$1,665
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	581	$42,801	$128,300	−$226,800	$1,070
NAICS 999 Unclassified NAICS 999	557	$66,287	$215,723	−$139,377	$1,657
NAICS 512 Motion picture and sound recording industries NAICS 512	512	$34,937	$99,028	−$256,072	$873
NAICS 316 Leather and allied product manufacturing NAICS 316	464	$50,860	$158,299	−$196,801	$1,272
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	450	$60,658	$194,770	−$160,330	$1,516
NAICS 312 Beverage and tobacco product manufacturing NAICS 312	426	$40,830	$120,964	−$234,136	$1,021
NAICS 926 Administration of economic programs NAICS 926	424	$71,774	$236,148	−$118,952	$1,794
NAICS 814 Private households NAICS 814	409	$38,022	$110,511	−$244,589	$951
NAICS 487 Scenic and sightseeing transportation NAICS 487	379	$50,234	$155,968	−$199,132	$1,256
NAICS 314 Textile product mills NAICS 314	372	$52,750	$165,334	−$189,766	$1,319
NAICS 322 Paper manufacturing NAICS 322	348	$72,004	$237,004	−$118,096	$1,800
NAICS 331 Primary metal manufacturing NAICS 331	312	$69,004	$225,837	−$129,263	$1,725
NAICS 519 Web search portals, libraries, archives, and other information services NAICS 519	297	$95,514	$324,516	−$30,584	$2,388
NAICS 928 National security and international affairs NAICS 928	287	$102,488	$350,476	−$4,624	$2,562
NAICS 111 Crop production NAICS 111	152	$44,209	$133,541	−$221,559	$1,105
NAICS 483 Water transportation NAICS 483	115	$43,802	$132,026	−$223,074	$1,095
NAICS 533 Lessors of nonfinancial intangible assets (except copyrighted works) NAICS 533	98	$114,418	$394,883	+$39,783	$2,860
NAICS 315 Apparel manufacturing NAICS 315	60	$71,358	$234,599	−$120,501	$1,784
NAICS 115 Support activities for agriculture and forestry NAICS 115	41	$54,523	$171,934	−$183,166	$1,363
NAICS 313 Textile mills NAICS 313	40	$46,654	$142,643	−$212,457	$1,166
NAICS 114 Fishing, hunting and trapping NAICS 114	18	$43,951	$132,581	−$222,519	$1,099
NAICS 212 Mining (except oil and gas) NAICS 212	14	$45,574	$138,622	−$216,478	$1,139
NAICS 925 Administration of housing programs, urban planning, and community development NAICS 925	8	$78,890	$262,636	−$92,464	$1,972
NAICS 324 Petroleum and coal products manufacturing NAICS 324	8	$36,571	$105,110	−$249,990	$914

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	33,910	(2,200)	(6%)	$15.00	$31,210	$85,155	$780
Cashiers SOC 41-2011	25,820	(3,340)	(11%)	$15.18	$31,580	$86,532	$790
Childcare Workers SOC 39-9011	3,420	(2,320)	(40%)	$16.38	$34,070	$95,801	$852
Janitors and Cleaners SOC 37-2011	18,460	4,810	35%	$16.83	$35,010	$99,300	$875
Retail Salespersons SOC 41-2031	45,130	30	0%	$17.23	$35,830	$102,352	$896
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	15,120	(3,500)	(19%)	$18.73	$38,950	$113,966	$974
Waiters and Waitresses SOC 35-3031	25,280	(3,790)	(13%)	$21.20	$44,090	$133,098	$1,102
Construction Laborers SOC 47-2061	12,860	5,410	73%	$21.41	$44,520	$134,699	$1,113
Tellers SOC 43-3071	2,100	(2,240)	(52%)	$22.14	$46,060	$140,431	$1,152
Office Clerks, General SOC 43-9061	23,680	800	3%	$22.79	$47,410	$145,457	$1,185
Maintenance and Repair Workers, General SOC 49-9071	14,380	1,880	15%	$23.30	$48,460	$149,365	$1,212
Carpenters SOC 47-2031	6,010	1,580	36%	$26.09	$54,270	$170,992	$1,357
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	15,840	4,740	43%	$26.19	$54,470	$171,736	$1,362
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	4,180	1,160	38%	$26.73	$55,600	$175,943	$1,390
Electricians SOC 47-2111	7,170	2,830	65%	$27.89	$58,020	$184,951	$1,451
Elementary School Teachers, Except Special Education SOC 25-2021	11,000	750	7%	—	$60,190	$193,028	$1,505
Firefighters SOC 33-2011	3,220	80	3%	$29.12	$60,560	$194,405	$1,514
Paramedics SOC 29-2043 · prior-year code differs	860	(1,180)	(58%)	$29.71	$61,790	$198,984	$1,545
Police and Sheriff's Patrol Officers SOC 33-3051	5,190	100	2%	$38.04	$79,130	$263,529	$1,978
Registered Nurses SOC 29-1141	38,720	13,200	52%	$44.56	$92,690	$314,004	$2,317

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 12103 · pulled from Full Housing Data Table.xlsx.