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.
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.
Real-world check: homeowners here who have a mortgage pay a median $1,987/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
Florida-specific loan costs on a $371,100 purchase
| Item | Rule | On a $333,990 loan |
|---|---|---|
| Mortgage doc stamps | $0.35 per $100 of the note | $1,169 |
| Intangible tax | 0.2% of the loan | $668 |
| Lender's title policy | Promulgated rate (simultaneous issue lowers it) | Ask your title agent |
Income check: the median St. Petersburg household earns $75,192. A $2,111 principal-and-interest payment (example 6.5% rate) is about 34% of that income before taxes and insurance.
St. Petersburg vs. similar communities
| Community | Median value | Median household income |
|---|---|---|
| St. Petersburg | $371,100 | $75,192 |
| Gulfport | $366,200 | $71,203 |
| Oldsmar | $380,300 | $88,333 |
| Clearwater | $361,300 | $66,381 |
| South Pasadena | $350,200 | $53,075 |
| Seminole | $348,500 | $75,774 |
How matching works
- Tell us what you need in St. Petersburg. It takes about a minute.
- We match you with one licensed loan officer 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
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.