Hyde Park / South Tampa
$450k–$650k
Walkable premium. Flood zones near the bay add cost.
Tampa · Florida
How Much House Can You Afford in Tampa?
Median home near $385,000. Typical income near $65,000. Moderate to high — insurance still matters more than inland states. Run the calculator — this page also has salary tiers, neighborhood prices, and local buyer guides.
Tampa home affordability at a glance
Planning figures for Tampa, Florida. Your lender quote and tax bill may differ — use these as a starting point.
$385,000Median home price
$65,000Median household income
$120,312+Rough gross for median (3× rule)
$2,548/moEst. PITI on median (20% down)
On a median $385,000 home, property tax near 0.92% is about $295/month. Insurance near 0.52% of value is about $166/month. HOA is about $140/month where it applies.
Tampa Bay growth raised prices after 2020. Flood maps affect insurance in coastal blocks.
Monthly payment breakdown on a median Tampa home
Estimated PITI at $385,000 list, 20% down, 6.5% rate, and Tampa tax and insurance defaults. Principal and interest are the largest line — but tax, insurance, and HOA still move the stress meter.
Estimated monthly PITI
$2,548/mo
In Tampa, buyers who only compare list price to income miss tax and insurance. Run the calculator with your real debts — the 36% back-end rule includes car loans and cards.
How much house can you afford in Tampa by salary?
Max home price at common gross salaries, 6.5% rate, $300/month other debt, and Tampa tax and insurance. Stress label uses the 28% housing cap.
| Gross salary | Max home (est.) | Stress |
|---|---|---|
| $75,000 | $214,076 | Moderate |
| $100,000 | $291,640 | Moderate |
| $125,000 | $369,204 | Moderate |
| $150,000 | $446,768 | Moderate |
| $200,000 | $601,895 | Moderate |
These rows assume no down payment in the solver — your down payment raises what you can buy. Enter your real numbers in the calculator for a personal max.
Florida take-home pay calculator · Comfortable salary in Tampa
Tampa home prices by area
The citywide median blends expensive and affordable pockets. Use these ranges as a map — not a guarantee for any one listing.
Brandon / Riverview
$320k–$420k
Family suburbs east of the city. Often below metro median.
St. Petersburg
$350k–$500k
Pinellas County option with beach access. Check flood maps.
Pasco / Wesley Chapel
$300k–$380k
Fast growth corridor. New builds with HOA common.
The 28/36 rule in Tampa
Lenders often use two caps. Our calculator applies both so you see a realistic max — not just what a bank might pre-approve.
28% front-end
Your full housing payment — mortgage, tax, insurance, and HOA — should stay near or below 28% of gross monthly income. In Tampa, insurance and HOA often push buyers over this line before list price does.
36% back-end
All monthly debt plus housing should stay near or below 36% of gross income. A $400 car payment and $250 in student loans shrink your max home price even when income is strong.
Stress meter
We label results Comfortable, Moderate, Stretched, or Over limit. Shop below your max if you want room for repairs, childcare, or savings — especially in Florida where tax and insurance vary by block.
Buying a home in Tampa: local context
Tampa Bay grew fast after 2020. Median price near $385k is more reachable than Miami for many dual-income households.
Insurance still runs above the US average. Get a quote early — do not size your max price on a national default alone.
Flood zones along the bay and rivers add cost. A home that looks affordable on list price may fail the full PITI test.
Suburbs in Hillsborough and Pasco often trade commute for space. Run the calculator with your real drive-to-work budget in mind.
Tampa Bay grew fast after 2020. Median price near $385k is more reachable than Miami for many families.
Healthcare and finance jobs anchor wages. Remote workers from higher-cost states still compete in Hyde Park.
Summer electric on older Florida block homes can spike. Budget $200+ in peak months.
Insurance markets remain tight — start quotes when you start shopping, not at closing.
How much house can I afford in Tampa on $70k?
At $70,000 gross, the 28% cap is about $1,633 a month. That often maps to $240,000–$280,000 with 20% down at 6.5%.
Insurance still runs above the US average. Get a quote early — do not size your max on a national default.
Flood zones along the bay can add $100–$250 a month. A home that looks affordable on list price may fail PITI.
Tampa Bay flood insurance and wind coverage
Ian reminded buyers that inland flooding happens. Check FEMA maps even blocks from the water.
Roof age drives wind premiums. A 15-year shingle may cost more to insure than a new tile roof.
HOA in new Pasco builds often runs $140+ a month — include it in the calculator.
What salary for a median Tampa home?
For a $385,000 median home with 20% down, plan on $90,000–$105,000 gross at 6.5% with modest debt.
Growth after 2020 raised prices but Tampa remains more reachable than Miami for many dual-income households.
Suburbs in Hillsborough and Pasco trade commute for space — budget gas and tolls.
Rent vs buy in Tampa
Tampa rent near $1,650 and mid-range list prices favor buying after five to seven years in stable suburbs. Flood and wind quotes tilt the break-even — include them.
First-time buyer tips in Tampa
- Pull flood maps for South Tampa and waterfront blocks.
- Compare Hillsborough vs Pinellas tax on similar prices.
- Ask for a wind mitigation inspection to lower premiums.
- Brandon and Wesley Chapel help if Hyde Park is out of range.
FAQ — how much house can I afford in Tampa?
How much house can I afford in Tampa on $70k?
About $1,633 a month at 28%. That often maps to $240k–$280k with 20% down.
Do I need flood insurance in Tampa?
Many zones yes — it is separate from homeowners and can be $100+ a month.
Is Tampa cheaper than Orlando?
Medians are similar in our data. Insurance and commute differ by zip.
Do I need flood insurance in Tampa?
Many bay-adjacent zones yes — separate from homeowners.
Can I afford Tampa on $80k?
Often yes for $280k–$320k with 20% down and low debt.
Tampa vs Miami for first-time buyers?
Tampa median and insurance are usually lower than Miami condos.