Moving to Tampa, Florida: The 2026 Data Guide
Tampa is in Hillsborough County, Florida (ZIP codes 33647, 33619, 33615, 33602). · Homes for sale in Tampa · Hillsborough County
As of 2026-09-06, the median home sold in Tampa, Florida over the last 12 months went for $430,000 (3,414 closings across 553 communities in Momentum’s MLS record), about $270 per square foot for a median 1,622-sq-ft home built around 1989. Homes currently listed have been on the market a median of 29 days, and with 840 active listings against that sales pace the city is carrying roughly 3.0 months of supply. Sellers have been getting about 96% of their original asking price. That median is 7% above the median across Momentum’s Florida coverage.
Tampa is the tightest big-city market on this site by the two numbers that matter most to a buyer: homes go under contract in about a month and there is only around three months of supply. Prices sit modestly above the statewide median, and the sale-to-list figure says sellers are holding most of their asking price.
Tampa is also a city of very different neighborhoods at very different prices, from South Tampa's older grid to the master-planned suburbs of New Tampa and Westchase.
What your budget buys in Tampa
Three price points from 1,600 recent Tampa closings in our record, each showing what actually closed within 10% of that price:
- Around $325,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,304 sq ft, built around 1983 (219 sales).
- Around $430,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,636 sq ft, built around 1983 (264 sales).
- Around $650,974: the typical sale in this band was a 4-bed, 3-bath home of about 2,277 sq ft, built around 1999 (135 sales).
The middle price band buys a smaller home here than in Jacksonville or Orlando for a similar price, which is the cost of being closer to a growing downtown and the bay. At the lower band you are mostly in older neighborhoods east and north of the core; at the upper band you are in South Tampa, the waterfront, or the newer suburban communities with larger lots. Square footage is the variable that moves most across the bands.
The real monthly cost of owning in Tampa
Take the median $430,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $2,222/month. Hillsborough County’s typical total millage is 15.73 mills, so after the $50,000 homestead exemption the property tax is roughly $5,977/year ($498/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Hillsborough County is about $1,816/year; private-market quotes vary with roof age and wind mitigation. 44% of current Tampa listings carry an HOA, with a median of $248/month where one applies. All in, budget on the order of $2,871/month to own the median Tampa home.
Hillsborough County's millage is moderate and the HOA picture is split: fewer than half of the listings carry one, but where one exists in the master-planned communities it is meaningful and often paired with a CDD. Insurance is mid-range for the state, with the usual caveats about roof age on the older stock near the bay and flood zone on anything low-lying.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Hillsborough County property tax guide and our home insurance by county map.
Where people are buying: Tampa’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
Northdale, Bay Crest Park and Country Place are the established suburban neighborhoods that sell in volume; Palma Ceia Park is South Tampa at its most expensive; Port Tampa City and Clair-Mel City are where the value is. The table is a good map of the city's price geography: the closer to the bay and the core, the higher the median, with the northern suburbs in between.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Northdale | 71 | $485,000 | 18 |
| Port Tampa City | 55 | $515,000 | 50 |
| Touchstone | 50 | $379,950 | 29 |
| Bay Crest Park | 47 | $495,000 | 46 |
| Palma Ceia Park | 46 | $1,049,500 | 16 |
| Country Place | 45 | $475,000 | 21 |
| Clair-Mel City | 44 | $300,000 | 12 |
| Arbor Greene | 40 | $612,500 | 56 |
Tampa by ZIP code
Sales and medians by ZIP over the same 12 months: 33647 (184 sales, median $430,000), 33611 (117 sales, median $480,000), 33604 (115 sales, median $365,000), 33629 (93 sales, median $1,300,000), 33625 (88 sales, median $405,000), 33607 (84 sales, median $367,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 74% were single-family homes, 15% townhomes or villas, and 9% condos. New construction accounted for 8% of closings, led by West River Townhomes, Apex at Seminole Heights, Townes at Manhattan Crossing, Westchase Station Townhomes, Montague Chase. The housing stock skews older: 20% of homes sold were built in 2015 or later and 39% before 1980.
More than a third of what sold was built before 1980, which is the highest share among the big metros on these guides. That older stock is much of Tampa's appeal, but it is also where insurers look hardest at roofs, wiring and plumbing. Budget for a four-point inspection on anything older, and read the flood zone on the county map before you assume a quote.
Getting around from Tampa
Measured from the center of Tampa’s recent sales: Lakeland is about 33 miles; Sarasota is about 46 miles; Downtown Orlando is about 77 miles; Orlando International Airport (MCO) is about 77 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Tampa is compact for a Florida metro. The airport is close to most of the city, the interstates run north-south and east-west through the core, and the bridges to St. Petersburg and Clearwater are the daily commute for a lot of households. Orlando is a real but long drive, and the Pinellas beaches are close enough to be a weekend habit.
Schools, taxes, and insurance: where to verify
School assignments change; check the Hillsborough County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Hillsborough County’s typical millage of 15.73; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Hillsborough County average of $1,816/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Tampa: the case for and against
Tampa rewards buyers who are ready to move. With supply this tight, the homes that are priced right do not last, and the negotiating room is in inspection findings rather than the list price. Know your neighborhood, your flood zone and your roof date, and be prepared to act inside a week.
What works in Tampa’s favor
- homes move quickly (median 29 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,816/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- only about 3.0 months of supply, so choice is limited in the most popular price bands
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Tampa relocation toolkit
- Cost of living in Tampa
- Best neighborhoods in Tampa
- New construction in Tampa
- Find an agent in Tampa
- Search every Tampa community
Common questions about moving to Tampa
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<a href="https://movewithmomentum.com/moving-to-tampa">Moving to Tampa, FL (2026): Home Prices, Cost to Own, Neighborhoods & Taxes — Momentum Realty</a>Sales figures are Momentum Realty’s MLS record of closings in Tampa communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Hillsborough County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.