Tampa, FL home prices
Typical home $356,843 · -0.9% in a year · income needed $100,300
The Tampa, FL metro area ranks 210 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.9% in a year and +15.8% over five years. With 20% down at 7.11%, the typical home costs about $2,340 a month including 0.81% property tax (Hillsborough County rate).
Mortgage on the typical Tampa home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,369 | $285,474 | $1,920 | $0 | $419 | $2,340 | $100,300 |
| 10% down | $35,684 | $321,159 | $2,160 | $134 | $419 | $2,714 | $116,300 |
| 5% down | $17,842 | $339,001 | $2,280 | $141 | $419 | $2,841 | $121,800 |
| 3.5% down (FHA) | $12,489 | $350,379 | $2,357 | $158 | $419 | $2,934 | $125,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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.
Counties in the Tampa area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hillsborough County, FL | $375,501 | -0.9% | 0.81% |
| Pinellas County, FL | $368,917 | +0.2% | 0.7% |
| Pasco County, FL | $328,125 | -1.9% | 0.73% |
| Hernando County, FL | $306,116 | -1.7% | 0.67% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Tampa?
The typical home in the Tampa, FL metro area is worth $356,843 (Zillow, September 2026).
What salary do you need to buy a house in Tampa?
About $100,300 a year for the typical home with 20% down at 7.11%.