Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Gulfport at a glance
Local notes: Gulfport
A waterfront arts town on Boca Ciega Bay with historic cottages, a walkable waterfront district and some of the oldest housing in Pinellas.
Some of Gulfport's older homes sit in or near historic districts, where exterior changes may need extra review. Factor that into renovation and roof-replacement plans.
For waterfront property, add a seawall and dock evaluation to your inspections, and get a flood insurance quote early.
Housing stock in Gulfport
Gulfport has about 7,952 housing units. 64% are single-family homes and 25% are in buildings with 10 or more units, and 3% are mobile or manufactured homes. 80% of homes were built before 1980 and 7% were built in 2000 or later. The median resident is 58.8 years old. About 15% of all housing units are held for seasonal, recreational or occasional use, one of the highest shares in Pinellas. Expect second-home owners, snowbirds and vacation-rental investors in the buyer pool.
Real-world check: homeowners here who have a mortgage pay a median $1,830/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
What a typical Gulfport home costs per month
| Down payment | Cash down | Loan | Principal + interest* |
|---|---|---|---|
| 3.5% down | $12,817 | $353,383 | $2,234 |
| 10% down | $36,620 | $329,580 | $2,083 |
| 20% down | $73,240 | $292,960 | $1,852 |
*Illustration only, at a 6.5% 30-year fixed example rate. Rates change daily and depend on your credit and loan type. Taxes, insurance, HOA and mortgage insurance are extra and often significant in Florida. This is not a loan offer.
Rent vs. buy in Gulfport
The median gross rent in Gulfport is $1,555/month. Principal and interest alone on a 10%-down median home is about $2,083. Once you add Florida property insurance and taxes, buying usually costs noticeably more per month here than renting, so buyers are betting on equity and stability. See our rent-vs-buy comparison across Pinellas.
Insurance check before you offer
The median Gulfport home was built in 1963, before Florida's 2002 building code. Get an insurance quote during your inspection period, because roof age and a 4-point inspection can decide whether a home is insurable at a sensible price. Compare insurance in Gulfport.
Gulfport vs. similar communities
| Community | Median value | Median rent |
|---|---|---|
| Gulfport | $366,200 | $1,555 |
| St. Petersburg | $371,100 | $1,663 |
| Clearwater | $361,300 | $1,658 |
| Oldsmar | $380,300 | $1,427 |
| South Pasadena | $350,200 | $1,792 |
| Seminole | $348,500 | $1,708 |
How matching works
- Tell us what you need in Gulfport. It takes about a minute.
- We match you with one buyer's agent who serves Gulfport, so your number isn't sold to a list.
- They contact you, usually the same business day. No obligation.
Frequently asked questions
How much do I need to buy a home in Gulfport?
On a $366,200 median home, 3.5% down is about $12,817 and 20% down is about $73,240, plus closing costs. Buyers pay Florida's mortgage doc stamps (about $1,154 on a 90% loan) and the intangible tax (about $659).
Does it cost me anything to use TheBayPros?
No. Matching is free for home buyers and sellers.