Tampa Bay Statistics 2026: Population, Home Prices, Rents, Taxes and Insurance
The City of Tampa had 413,554 residents on July 1, 2025, and the Tampa–St. Petersburg–Clearwater metro had 3,418,895, according to the U.S. Census Bureau. Growth is slowing: the metro added about 37 people a day in the year to July 2025, down from 209 a day in 2022. Homes in the city sold for a median of $450,000, and rent averaged $1,955 a month. Insurance averaged $3,525 a year in Hillsborough County. Here are the latest numbers, with sources.
TL;DR
- Population: City of Tampa 413,554; Tampa Bay metro 3,418,895 (Census, July 1, 2025).
- Growth is slowing: the metro grew 0.4% in the year to July 2025, after 2.4% in 2022. Pasco County has grown fastest since 2020 (+20.0%), and Pinellas has shrunk (−1.1%).
- Home prices: the City of Tampa’s median sale price was $450,000 in the three months to September 2026, up 4.9% (Redfin). Zillow’s typical home value was $375,619, up 0.4%.
- Rent: Tampa’s average rent was $1,955 a month on Nov. 1, 2026, down $145 from a year earlier (Zillow).
- Mortgage rate: 7.24% for a 30-year fixed (Freddie Mac, Oct. 29, 2026).
- Property taxes: about $7,084 a year on a $400,000 homesteaded home in the City of Tampa. Amendment 3 passed on Nov. 3, 2026 and cuts that from 2027.
- Insurance: the average homeowners premium was $3,525 a year in Hillsborough, $4,063 in Pinellas and $2,756 in Pasco (Florida Office of Insurance Regulation, March 31, 2026).
What is the population of Tampa in 2026?
The City of Tampa had 413,554 residents on July 1, 2025, the latest official estimate, up 7.3% since 2020. The Census Bureau releases the July 2026 estimate for cities in May 2027, so this is the newest count available in November 2026.
| Area | Population (July 1, 2025) | April 2020 base | Change since 2020 |
| City of Tampa | 413,554 | 385,336 | +7.3% |
| City of St. Petersburg | 264,033 | 258,358 | +2.2% |
| City of Clearwater | 114,364 | 117,343 | −2.5% |
| Hillsborough County | 1,574,115 | 1,459,773 | +7.8% |
| Pinellas County | 948,563 | 959,090 | −1.1% |
| Pasco County | 674,516 | 561,909 | +20.0% |
| Tampa–St. Petersburg–Clearwater metro | 3,418,895 | 3,175,275 (2020 census) | +7.7% |
Sources: U.S. Census Bureau QuickFacts, Vintage 2025 estimates; metro estimate via FRED (Census Bureau); 2020 metro census count from Florida EDR. The metro includes Hillsborough, Pinellas, Pasco and Hernando counties.
Tampa is Florida’s third-largest city by population, after Jacksonville and Miami. The wider Tampa Bay region, including Polk, Manatee and Sarasota counties, has more than 4 million people.
Florida’s own estimate is slightly different. The state’s Bureau of Economic and Business Research (BEBR) put the metro at 3,403,788 on April 1, 2025, up 7.2% since 2020 (Florida EDR). The two agencies measure on different dates and use different methods.
Is Tampa Bay still growing?
Yes, but much more slowly. The metro added 13,538 people in the year to July 2025, a 0.4% gain, down from 76,202 people (+2.4%) in 2022. Growth has slowed every year since 2022.
| Year to July 1 | Metro population | People added | Growth | About per day |
| 2022 | 3,307,164 | +76,202 | +2.4% | 209 |
| 2023 | 3,370,351 | +63,187 | +1.9% | 173 |
| 2024 | 3,405,357 | +35,006 | +1.0% | 96 |
| 2025 | 3,418,895 | +13,538 | +0.4% | 37 |
Source: U.S. Census Bureau resident population estimates for the Tampa–St. Petersburg–Clearwater MSA, via FRED. Growth and per-day figures calculated by The Rothfuss Team Realty.
Where the growth goes: Pasco County (Wesley Chapel, Land O’ Lakes, Zephyrhills) has grown 20.0% since 2020. Hillsborough has grown 7.8%. Pinellas, which has little land left to build on, is down 1.1%. For buyers, that’s why most new construction is in Pasco and southern Hillsborough. See our new construction homes in Tampa Bay and CDD fees guides.
What are Tampa's demographics and incomes?
Tampa’s median household income was $75,475, and 45.7% of adults have a bachelor’s degree, the highest share of the 3 largest Tampa Bay cities. Pinellas County is older: 28.7% of residents are 65 or older, compared with 16.5% in Hillsborough.
| City of Tampa | St. Petersburg | Clearwater | Hillsborough | Pinellas | Pasco | |
| Median household income | $75,475 | $75,192 | $66,381 | $79,540 | $72,646 | $70,492 |
| Bachelor’s degree or higher (age 25+) | 45.7% | 42.6% | 32.6% | 38.1% | 36.8% | 29.2% |
| Age 65 and older | 13.7% | 21.1% | 24.1% | 16.5% | 28.7% | 22.4% |
| Homeownership rate | 50.3% | 62.8% | 58.6% | 61.5% | 69.5% | 75.7% |
| Persons per household | 2.31 | 2.14 | 2.27 | 2.56 | 2.20 | 2.56 |
Source: U.S. Census Bureau QuickFacts, American Community Survey 2020–2024 (incomes in 2024 dollars); age from Vintage 2025 estimates.
Jobs and wages: the metro’s unemployment rate was 4.5% in September 2026, seasonally adjusted (FRED/BLS). The average wage was $31.96 an hour in May 2025, about $66,500 a year full time (BLS).
How much do homes cost in Tampa in 2026?
The median home in the City of Tampa sold for $450,000 in the three months to September 2026, up 4.9% from a year earlier, and homes took about 60 days to sell (Redfin). Zillow’s typical home value, which tracks all homes and not just those that sold, was $375,619, up 0.4%.
| Measure | Value | Change | Source and date |
| Median sale price, City of Tampa | $450,000 | +4.9% year over year | Redfin, 3 months to Sept. 2026 |
| Typical home value (ZHVI), Tampa | $375,619 | +0.4% year over year | Zillow, Sept. 30, 2026 |
| Median sale price, St. Petersburg | $425,000 | +6.5% | Redfin, Sept. 2026 |
| Median days on market, City of Tampa | About 60 days | n/a | Redfin, Sept. 2026 |
| Homes sold with a price drop, City of Tampa | 42.3% | n/a | Redfin, Sept. 2026 |
| Sale-to-list ratio, City of Tampa | 96.7% | n/a | Redfin, Sept. 2026 |
| Months of supply, metro, all homes | 4.7 | Balanced market | Fall 2026 |
| Months of supply, condos and townhomes | 7.3 | Buyer’s market | Fall 2026 |
| 30-year fixed mortgage rate | 7.24% | 6.17% a year earlier | Freddie Mac, Oct. 29, 2026 |
| Census median value, owner-occupied homes, City of Tampa | $420,400 | n/a | Census ACS 2020–2024 |
Sources: Redfin Tampa housing market; Zillow Home Value Index; Freddie Mac PMMS; Census QuickFacts. Months of supply as reported in our Tampa market update.
Why the numbers differ: a median sale price reflects only the homes that sold, which this year included more higher-priced homes. Zillow’s index estimates the value of every home. Both are accurate, and they answer different questions.
What it costs to own: at the $450,000 median, 10% down and 7.24%, the monthly cost with property taxes and insurance is about $3,725 (our cost of living guide). That median price is about 6.0 times Tampa’s median household income. For full market detail, see Tampa housing market statistics and the 2027 price forecast.
What is the average rent in Tampa?
Tampa’s average rent was $1,955 a month on Nov. 1, 2026, down $145 (about 6.9%) from a year earlier, with 3,168 rentals available (Zillow). Rents are down from a year earlier in Tampa, St. Petersburg, Clearwater and Wesley Chapel.
| Area or size | Average rent | Change vs. a year ago |
| Tampa, all rentals | $1,955 | −$145 |
| Tampa, 1 bedroom | $1,400 | n/a |
| Tampa, 2 bedrooms | $1,750 | n/a |
| Tampa, 3 bedrooms | $2,400 | n/a |
| St. Petersburg, all rentals | $2,057 | −$143 |
| Clearwater, all rentals | $2,150 | −$50 |
| Wesley Chapel, all rentals | $2,300 | −$50 |
Source: Zillow Rental Manager market trends, updated Nov. 1, 2026. Averages mix apartments, condos and houses.
Renting vs. owning: owning the median Tampa home costs about $3,725 a month, about 1.9 times the average rent. Renting the average Tampa home takes about 31% of the city’s median household income. Thinking of renting out a home you own? See should I sell or rent my house.
How much are property taxes in Tampa Bay?
On a $400,000 homesteaded home, 2026 property taxes run about $5,500 to $8,000 a year across Tampa Bay. In the City of Tampa, it’s about $7,084, or $590 a month. Rates vary by city because each city, county and special district sets its own millage.
| City or area | Total rate (mills) | Tax on a $400,000 homestead |
| Zephyrhills (Pasco) | 22.5289 | $8,017 |
| St. Petersburg | 19.9197 | $7,110 |
| City of Tampa | 19.8428 | $7,084 |
| Clearwater | 19.3522 | $6,912 |
| Unincorporated Hillsborough (Brandon, Riverview, Lutz) | 18.2515 | $6,530 |
| Unincorporated Pasco (Wesley Chapel, Land O’ Lakes) | 16.6966 | $5,984 |
| Unincorporated Pinellas (Palm Harbor, East Lake) | 15.3229 | $5,508 |
Calculated by The Rothfuss Team Realty using the latest final millage rates (2025 for Hillsborough and Pinellas, 2026 for Pasco) and 2026 homestead exemptions. Home value = assessed value. All 36 areas are in Tampa Bay property taxes by city.
What changes in 2027: Florida voters approved Amendment 3 on Nov. 3, 2026, with about 62% of the vote. It raises the non-school homestead exemption to $150,000 in 2027 and $250,000 in 2028. A homesteaded City of Tampa home could save about $1,331 in 2027 and $2,682 in 2028. People who aren’t Florida residents by Dec. 31, 2026 get the larger exemption only from their fifth year of homestead. See Amendment 3 savings by city and what buyers and sellers should do before Dec. 31.
Florida has no state income tax. That’s one reason overall living costs in the Tampa metro were about the U.S. average in 2024: 100.9, where 100 is the national average. Housing, though, scored 125.8 (U.S. Bureau of Economic Analysis, via FRED).
How much is homeowners insurance in Tampa Bay?
The average homeowners premium, including wind, was $3,525 a year in Hillsborough County, $4,063 in Pinellas and $2,756 in Pasco as of March 31, 2026. Average premiums fell in 51 of Florida’s 67 counties compared with the state’s January 2026 report, according to the Florida Office of Insurance Regulation.
| County | Average premium, with wind | Without wind | Per month (with wind) |
| Hillsborough | $3,525 | $2,676 | About $294 |
| Pinellas | $4,063 | $2,034 | About $339 |
| Pasco | $2,756 | $1,917 | About $230 |
Source: Florida Office of Insurance Regulation, July 2026 Property Insurance Stability Report, data as of March 31, 2026. Flood insurance is separate and not included.
The market is stabilizing: Citizens Property Insurance, the state’s insurer of last resort, had 293,465 policies on June 5, 2026, its lowest level in 25 years. Twenty-one new companies have been approved to write home insurance in Florida since the state’s insurance reforms (OIR).
Your premium depends on the house: roof age, wind protection and flood zone matter more than the county average. A wind mitigation inspection can lower the windstorm part of the bill. Older homes usually need a 4-point inspection. Check the Tampa flood zone map before you buy.
“Statistics tell you the market. They don’t tell you the cost of a specific house. Two homes at the same price in Tampa can be $500 a month apart once you add the tax rate, the roof’s insurance and any CDD fee.”
— James Rothfuss II, Broker, The Rothfuss Team Realty
What's the weather like in Tampa?
Tampa averages a 91°F high in August and a 53°F low in January, with about 49 inches of rain a year. Hurricane season runs June 1 to Nov. 30. Hurricanes Helene and Milton both hit the region in fall 2024.
| Measure | Value |
| Average August high | 91.2°F |
| Average January low | 52.8°F |
| Annual rainfall | 49.48 inches |
| Hurricane season | June 1 – Nov. 30 |
Source: National Weather Service Tampa Bay, 1991–2020 normals for Tampa International Airport.
Tampa Bay statistics at a glance
Statistic | Latest value | Source, date |
City of Tampa population | 413,554 | Census, July 1, 2025 |
Tampa Bay metro population | 3,418,895 | Census, July 1, 2025 |
Metro population growth | +0.4% (year to July 2025) | Census |
Fastest-growing county since 2020 | Pasco, +20.0% | Census |
Median household income, Tampa | $75,475 | Census ACS 2020–2024 |
Unemployment rate, metro | 4.5% | BLS via FRED, Sept. 2026 |
Median sale price, City of Tampa | $450,000 (+4.9%) | Redfin, 3 months to Sept. 2026 |
Typical home value, Tampa | $375,619 (+0.4%) | Zillow, Sept. 30, 2026 |
Average rent, Tampa | 1,955(-145) | Zillow, Nov. 1, 2026 |
30-year mortgage rate | 7.24% | Freddie Mac, Oct. 29, 2026 |
Property tax, $400,000 Tampa homestead | $7,084 a year | Rothfuss calculation, 2025 millage |
Homeowners insurance, Hillsborough | $3,525 a year | OIR, March 31, 2026 |
Homeowners insurance, Pinellas | $4,063 a year | OIR, March 31, 2026 |
Cost of living index, metro | 100.9 (U.S. = 100) | BEA, 2024 |
Average wage, metro | $31.96 an hour | BLS, May 2025 |
Cite this page
You’re welcome to use these statistics with a link back to this page:
The Rothfuss Team Realty. “Tampa Bay Statistics 2026: Population, Home Prices, Rents, Taxes and Insurance.” Updated November 4, 2026. https://rothfussteamrealty.com/blog/tampa-bay-statistics/
Journalists and researchers can contact James for comment or for the data behind our calculations.
Why work with The Rothfuss Team Realty?
We turn Tampa Bay statistics into the real cost of the home you’re looking at. Broker James Rothfuss II handles each purchase and sale himself.
- We estimate the new owner’s property tax, insurance and CDD fees on every home before you offer.
- We check flood zones, roof age and 4-point issues early, while you can still negotiate.
- We price your home with a free home valuation based on current local sales, not citywide averages.
- We know how Amendment 3 and the Dec. 31, 2026 residency date affect your timing.
See how we help buyers and sellers, or contact James.
Frequently asked questions
The City of Tampa had 413,554 residents on July 1, 2025, the latest U.S. Census Bureau estimate, up 7.3% since 2020. The Census releases the July 2026 estimate for cities in May 2027.
The Tampa–St. Petersburg–Clearwater metro, which covers Hillsborough, Pinellas, Pasco and Hernando counties, had 3,418,895 residents on July 1, 2025, according to the Census Bureau. The wider region including Polk, Manatee and Sarasota has more than 4 million.
Yes, but more slowly. The metro grew 0.4% in the year to July 2025, adding 13,538 people, down from 2.4% and 76,202 people in 2022. Pasco County has grown fastest, up 20.0% since 2020.
Pasco County, up 20.0% from 2020 to July 2025, to 674,516 people. Hillsborough grew 7.8%, and Pinellas fell 1.1%, according to Census Bureau estimates.
The City of Tampa's median sale price was $450,000 in the three months to September 2026, up 4.9% from a year earlier, according to Redfin. Zillow's typical home value for Tampa was $375,619, up 0.4%.
Tampa's average rent was $1,955 a month on Nov. 1, 2026, down $145 from a year earlier, according to Zillow. A 1-bedroom averaged $1,400, a 2-bedroom $1,750 and a 3-bedroom $2,400.
The City of Tampa's total rate is 19.8428 mills. On a $400,000 homesteaded home, that's about $7,084 a year in 2026. Amendment 3, approved Nov. 3, 2026, raises the homestead exemption and lowers bills starting in 2027.
As of March 31, 2026, the average homeowners premium including wind was $3,525 a year in Hillsborough County, $4,063 in Pinellas and $2,756 in Pasco, according to the Florida Office of Insurance Regulation. Flood insurance is separate.
Broker and owner of The Rothfuss Team Realty. 30+ years in business and 60+ properties bought and sold across Tampa Bay.
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