Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
St. Petersburg at a glance
Local notes: St. Petersburg
Pinellas County's largest city has a little of everything: historic bungalow neighborhoods like Old Northeast and Kenwood, downtown condo towers on the waterfront, and mid-century block ranches across the west and south sides.
Condos are a big part of the St. Petersburg market. Florida's post-Surfside condo safety laws require milestone structural inspections and fully funded structural reserves for many buildings. Review the association's reserve study, milestone reports and any special assessments before you buy or list.
Some of St. Petersburg'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 St. Petersburg
St. Petersburg has about 141,508 housing units. 59% are single-family homes and 26% are in buildings with 10 or more units, and 2% are mobile or manufactured homes. 70% of homes were built before 1980 and 14% were built in 2000 or later. The median resident is 43.1 years old.
With 70% of homes built before 1980, insurer questions about roofs, wiring (including older panels) and galvanized or cast-iron plumbing are routine.
What drives insurance prices in St. Petersburg
- Home age. The median build year here is 1969. 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 St. Petersburg make a separate flood quote essential.
St. Petersburg vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| St. Petersburg | $371,100 | 1969 |
| Gulfport | $366,200 | 1963 |
| Oldsmar | $380,300 | 1988 |
| Clearwater | $361,300 | 1978 |
| South Pasadena | $350,200 | 1978 |
| Seminole | $348,500 | 1979 |
How matching works
- Tell us what you need in St. Petersburg. It takes about a minute.
- We match you with one licensed insurance agent who serves St. Petersburg, so your number isn't sold to a list.
- They contact you, usually the same business day. No obligation.
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 St. Petersburg?
Likely, for older homes. The median home here was built in 1969, and many carriers require a 4-point once a home is roughly 25–40 years old, depending on the carrier.