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.
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.
Florida-specific loan costs on a $380,300 purchase
| Item | Rule | On a $342,270 loan |
|---|---|---|
| Mortgage doc stamps | $0.35 per $100 of the note | $1,198 |
| Intangible tax | 0.2% of the loan | $685 |
| Lender's title policy | Promulgated rate (simultaneous issue lowers it) | Ask your title agent |
Income check: the median Oldsmar household earns $88,333. A $2,163 principal-and-interest payment (example 6.5% rate) is about 29% of that income before taxes and insurance.
Oldsmar vs. similar communities
| Community | Median value | Median household income |
|---|---|---|
| Oldsmar | $380,300 | $88,333 |
| St. Petersburg | $371,100 | $75,192 |
| Gulfport | $366,200 | $71,203 |
| Dunedin | $396,000 | $74,477 |
| Clearwater | $361,300 | $66,381 |
| Palm Harbor | $405,300 | $78,935 |
How matching works
- Tell us what you need in Oldsmar. It takes about a minute.
- We match you with one licensed loan officer who serves Oldsmar, so your number isn't sold to a list.
- They contact you, usually the same business day. No obligation.
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.