Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Oldsmar at a glance
Local notes: Oldsmar
At the top of Old Tampa Bay on the Hillsborough line, Oldsmar has newer subdivisions and an easy commute to Tampa and the airport.
For waterfront property, add a seawall and dock evaluation to your inspections, and get a flood insurance quote early.
Housing stock in Oldsmar
Oldsmar has about 6,246 housing units. 72% are single-family homes and 9% are in buildings with 10 or more units, and 8% are mobile or manufactured homes. 23% of homes were built before 1980 and 21% were built in 2000 or later. The median resident is 40.8 years old.
Real-world check: homeowners here who have a mortgage pay a median $1,798/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
What a typical Oldsmar home costs per month
| Down payment | Cash down | Loan | Principal + interest* |
|---|---|---|---|
| 3.5% down | $13,310 | $366,990 | $2,320 |
| 10% down | $38,030 | $342,270 | $2,163 |
| 20% down | $76,060 | $304,240 | $1,923 |
*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 Oldsmar
The median gross rent in Oldsmar is $1,427/month. Principal and interest alone on a 10%-down median home is about $2,163. 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 Oldsmar home was built in 1988, 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 Oldsmar.
Oldsmar vs. similar communities
| Community | Median value | Median rent |
|---|---|---|
| Oldsmar | $380,300 | $1,427 |
| St. Petersburg | $371,100 | $1,663 |
| Gulfport | $366,200 | $1,555 |
| Dunedin | $396,000 | $1,675 |
| Clearwater | $361,300 | $1,658 |
| Palm Harbor | $405,300 | $1,806 |
Getting matched in Oldsmar
Fill in the short form. We pass your request to one buyer's agent covering Oldsmar, 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
How much do I need to buy a home in Oldsmar?
On a $380,300 median home, 3.5% down is about $13,311 and 20% down is about $76,060, plus closing costs. Buyers pay Florida's mortgage doc stamps (about $1,198 on a 90% loan) and the intangible tax (about $685).
Does it cost me anything to use TheBayPros?
No. Matching is free for home buyers and sellers.