Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Tarpon Springs at a glance
Local notes: Tarpon Springs
Known for its Greek heritage and the Sponge Docks on the Anclote River. Tarpon Springs mixes a historic district of older homes with newer waterfront and golf-course neighborhoods.
Some of Tarpon Springs'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 Tarpon Springs
Tarpon Springs has about 13,421 housing units. 67% are single-family homes and 12% are in buildings with 10 or more units, and 10% are mobile or manufactured homes. 40% of homes were built before 1980 and 17% were built in 2000 or later. The median resident is 55.4 years old.
Real-world check: homeowners here who have a mortgage pay a median $2,218/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
What a typical Tarpon Springs home costs per month
| Down payment | Cash down | Loan | Principal + interest* |
|---|---|---|---|
| 3.5% down | $11,924 | $328,776 | $2,078 |
| 10% down | $34,070 | $306,630 | $1,938 |
| 20% down | $68,140 | $272,560 | $1,723 |
*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 Tarpon Springs
The median gross rent in Tarpon Springs is $1,298/month. Principal and interest alone on a 10%-down median home is about $1,938. 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 Tarpon Springs home was built in 1984, 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 Tarpon Springs.
Tarpon Springs vs. similar communities
| Community | Median value | Median rent |
|---|---|---|
| Tarpon Springs | $340,700 | $1,298 |
| Bardmoor | $334,700 | $1,706 |
| Seminole | $348,500 | $1,708 |
| South Pasadena | $350,200 | $1,792 |
| Clearwater | $361,300 | $1,658 |
| Gulfport | $366,200 | $1,555 |
How matching works
- Tell us what you need in Tarpon Springs. It takes about a minute.
- We match you with one buyer's agent who serves Tarpon Springs, 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 Tarpon Springs?
On a $340,700 median home, 3.5% down is about $11,925 and 20% down is about $68,140, plus closing costs. Buyers pay Florida's mortgage doc stamps (about $1,073 on a 90% loan) and the intangible tax (about $613).
Does it cost me anything to use TheBayPros?
No. Matching is free for home buyers and sellers.