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.
21% of homes are 2000 or newer, and many of them qualify for better wind-mitigation credits.
What drives insurance prices in Oldsmar
- Home age. The median build year here is 1988. That predates the 2002 Florida Building Code, so expect underwriters to ask about roof age, wiring and plumbing.
- Roof age and shape. This is often the single biggest factor in Florida. Hip roofs and newer roofs rate better.
- Wind mitigation features. Roof straps, impact openings and secondary water barriers earn credits that insurers must offer by Florida law.
- Flood. Standard homeowners policies exclude flood. Coastal and low-lying parts of Oldsmar make a separate flood quote essential.
Oldsmar vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| Oldsmar | $380,300 | 1988 |
| St. Petersburg | $371,100 | 1969 |
| Gulfport | $366,200 | 1963 |
| Dunedin | $396,000 | 1976 |
| Clearwater | $361,300 | 1978 |
| Palm Harbor | $405,300 | 1985 |
Getting matched in Oldsmar
Fill in the short form. We pass your request to one licensed insurance 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
Does homeowners insurance cover flooding in Florida?
No. Flood is a separate policy, through the NFIP or a private flood carrier.
Will I need a 4-point inspection in Oldsmar?
Likely, for older homes. The median home here was built in 1988, and many carriers require a 4-point once a home is roughly 25–40 years old, depending on the carrier.