Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Seminole at a glance
Local notes: Seminole
A family-oriented city around Lake Seminole and the Seminole City Center, with mostly 1970s single-family neighborhoods and close access to the Gulf beaches.
For waterfront property, add a seawall and dock evaluation to your inspections, and get a flood insurance quote early.
Housing stock in Seminole
Seminole has about 10,843 housing units. 47% are single-family homes and 31% are in buildings with 10 or more units, and 13% are mobile or manufactured homes. 54% of homes were built before 1980 and 18% were built in 2000 or later. The median resident is 55.3 years old. About 8% 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 $1,969/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
What a typical Seminole home costs per month
| Down payment | Cash down | Loan | Principal + interest* |
|---|---|---|---|
| 3.5% down | $12,198 | $336,302 | $2,126 |
| 10% down | $34,850 | $313,650 | $1,982 |
| 20% down | $69,700 | $278,800 | $1,762 |
*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 Seminole
The median gross rent in Seminole is $1,708/month. Principal and interest alone on a 10%-down median home is about $1,982. 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 Seminole home was built in 1979, 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 Seminole.
Seminole vs. similar communities
| Community | Median value | Median rent |
|---|---|---|
| Seminole | $348,500 | $1,708 |
| South Pasadena | $350,200 | $1,792 |
| Tarpon Springs | $340,700 | $1,298 |
| Clearwater | $361,300 | $1,658 |
| Bardmoor | $334,700 | $1,706 |
| Gulfport | $366,200 | $1,555 |
How matching works
- Tell us what you need in Seminole. It takes about a minute.
- We match you with one buyer's agent who serves Seminole, 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 Seminole?
On a $348,500 median home, 3.5% down is about $12,198 and 20% down is about $69,700, plus closing costs. Buyers pay Florida's mortgage doc stamps (about $1,098 on a 90% loan) and the intangible tax (about $627).
Does it cost me anything to use TheBayPros?
No. Matching is free for home buyers and sellers.