Pinellas County, Florida home prices
Typical home $368,917 · +0.2% in a year · property tax 0.7%
The typical home in Pinellas County is worth $368,917, about the same as the Florida typical home ($375,361). Values changed +0.2% in the past year and +12.6% over five years. Homeowners here pay a median 0.7% of their home's value in property tax each year ($2,570 on the typical home), versus 0.8% statewide.
Mortgage on the typical Pinellas County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $73,783 | $295,133 | $1,985 | $0 | $399 | $2,384 | $102,200 |
| 10% down | $36,892 | $332,025 | $2,234 | $138 | $399 | $2,771 | $118,700 |
| 5% down | $18,446 | $350,471 | $2,358 | $146 | $399 | $2,902 | $124,400 |
| 3.5% down (FHA) | $12,912 | $362,235 | $2,437 | $163 | $399 | $2,999 | $128,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Tampa metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Lucie County | $370,781 | -0.9% | 0.93% |
| Indian River County | $363,705 | -0.9% | 0.69% |
| Hillsborough County | $375,501 | -0.9% | 0.81% |
| Lake County | $360,055 | -2.0% | 0.76% |
| Osceola County | $359,224 | -2.9% | 0.76% |
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Santa Rosa County | $350,823 | +1.5% | 0.57% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Sumter County | $387,784 | -0.5% | 0.78% |
| Bay County | $343,009 | -0.0% | 0.58% |
Frequently asked questions
What is the average home price in Pinellas County, FL?
The typical home value in Pinellas County is $368,917 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pinellas County?
About $102,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pinellas County?
The median effective rate is 0.7% of home value a year (Census ACS 2024 5-year estimates).