Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Treasure Island at a glance
Local notes: Treasure Island
A barrier-island beach town between St. Pete Beach and John's Pass, with canal-front homes, low-rise condos and vacation rentals.
Hurricane Helene's 2024 storm surge flooded many homes on Pinellas barrier islands. Under the National Flood Insurance Program's substantial-damage rule (the "50% rule"), a heavily damaged or heavily renovated older home may have to be elevated or brought up to current flood code. That affects price, insurability and renovation plans, so ask for permits, damage determinations and an elevation certificate.
Condos are a big part of the Treasure Island market. Florida's post-Surfside condo safety laws require milestone structural inspections and fully funded structural reserves for many buildings. Review the association's reserve study, milestone reports and any special assessments before you buy or list.
Housing stock in Treasure Island
Treasure Island has about 6,192 housing units. 44% are single-family homes and 34% are in buildings with 10 or more units, and 1% are mobile or manufactured homes. 75% of homes were built before 1980 and 6% were built in 2000 or later. The median resident is 62.7 years old. About 29% of all housing units are held for seasonal, recreational or occasional use, one of the highest shares in Pinellas. Expect second-home owners, snowbirds and vacation-rental investors in the buyer pool.
An older median age means many sellers are downsizing or settling an estate. Agents who handle probate and senior moves add real value here.
How Treasure Island compares
A median value of $621,600 puts Treasure Island at #8 of 32 places in Pinellas County (highest value first). The median household income here is $87,107, so the typical home costs about 7.1× annual household income. That is a stretch for many local buyers, so pricing right the first time matters.
About 74% of occupied homes in Treasure Island are owner-occupied. That high share means plenty of comparable owner sales to price from.
What it may cost to sell a $621,600 home
| Item | Typical basis | On $621,600 |
|---|---|---|
| Florida deed doc stamps | $0.70 per $100 (set by state law) | $4,351 |
| Owner's title policy (if seller pays) | Florida promulgated rate | ≈ $3,183 |
| Brokerage commission | Negotiable. Example at 5% / 6% total | $31,080 / $37,296 |
| Title/settlement fees, prorated taxes, HOA | Varies | Ask for a net sheet |
In Pinellas the seller customarily pays for the owner's title policy, but it's negotiable in the contract. Commissions are always negotiable and are not set by law or by us.
Selling an older home in Treasure Island
Half the homes in Treasure Island were built in 1970 or earlier, about 56 years ago and before the 2002 Florida Building Code. Buyers' insurers will usually ask for a 4-point inspection (roof, electrical, plumbing, HVAC). Getting one done before you list lets you fix deal-killers on your own schedule instead of during the inspection period.
Treasure Island vs. similar communities
| Community | Median value | Median income |
|---|---|---|
| Treasure Island | $621,600 | $87,107 |
| St. Pete Beach | $675,700 | $114,583 |
| East Lake | $488,000 | $99,333 |
| Safety Harbor | $454,000 | $106,830 |
| Palm Harbor | $405,300 | $78,935 |
| Dunedin | $396,000 | $74,477 |
How matching works
- Tell us what you need in Treasure Island. It takes about a minute.
- We match you with one local agent who serves Treasure Island, so your number isn't sold to a list.
- They contact you, usually the same business day. No obligation.
Frequently asked questions
How much is my home worth in Treasure Island?
The Census Bureau's latest 5-year estimate puts the median owner-estimated home value in Treasure Island at $621,600. Your home's price depends on recent nearby sales, condition, flood zone and roof age, so ask a local agent for a comparable-sales review.
Who pays title insurance when selling in Treasure Island?
In Pinellas County the seller customarily pays for the owner's title policy, but the purchase contract decides it and it can be negotiated.
Do I have to disclose problems when I sell in Florida?
Yes. Florida courts require sellers to disclose known defects that materially affect value and aren't readily observable. Florida has also expanded its flood disclosure rules, so ask your agent for the current disclosure forms.
How does the 50% rule affect homes in Treasure Island?
If a home's damage or planned improvements reach 50% of the structure's market value, NFIP rules generally require it to meet current flood elevation standards. That can mean elevating or rebuilding. Ask the local building department for any substantial-damage determination on the property.