Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Dunedin at a glance
Local notes: Dunedin
A walkable town with Scottish heritage, a busy Main Street, Blue Jays spring training and Honeymoon and Caladesi islands just offshore. Older cottages and waterfront homes command a premium.
Housing stock in Dunedin
Dunedin has about 21,305 housing units. 53% are single-family homes and 22% are in buildings with 10 or more units, and 11% are mobile or manufactured homes. 61% of homes were built before 1980 and 12% were built in 2000 or later. The median resident is 58 years old. About 12% of housing units are seasonal or occasional-use homes, so part-time residents are a meaningful slice of the market.
Real-world check: homeowners here who have a mortgage pay a median $1,922/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
Florida-specific loan costs on a $396,000 purchase
| Item | Rule | On a $356,400 loan |
|---|---|---|
| Mortgage doc stamps | $0.35 per $100 of the note | $1,247 |
| Intangible tax | 0.2% of the loan | $713 |
| Lender's title policy | Promulgated rate (simultaneous issue lowers it) | Ask your title agent |
Income check: the median Dunedin household earns $74,477. A $2,253 principal-and-interest payment (example 6.5% rate) is about 36% of that income before taxes and insurance.
Dunedin vs. similar communities
| Community | Median value | Median household income |
|---|---|---|
| Dunedin | $396,000 | $74,477 |
| Palm Harbor | $405,300 | $78,935 |
| Oldsmar | $380,300 | $88,333 |
| St. Petersburg | $371,100 | $75,192 |
| Gulfport | $366,200 | $71,203 |
| Clearwater | $361,300 | $66,381 |
Getting matched in Dunedin
Fill in the short form. We pass your request to one licensed loan officer covering Dunedin, not a shared list. Expect a call or text, usually within the business day. If the fit isn't right, ask us for someone else.
Frequently asked questions
What closing taxes are unique to Florida mortgages?
Florida charges documentary stamp tax on the note ($0.35 per $100) and a nonrecurring intangible tax of 0.2% of the loan amount.
Do you choose my lender for me?
No. We introduce you to a licensed loan officer, and you're free to shop and compare any lender.