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.
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.
Florida-specific loan costs on a $340,700 purchase
| Item | Rule | On a $306,630 loan |
|---|---|---|
| Mortgage doc stamps | $0.35 per $100 of the note | $1,073 |
| Intangible tax | 0.2% of the loan | $613 |
| Lender's title policy | Promulgated rate (simultaneous issue lowers it) | Ask your title agent |
Income check: the median Tarpon Springs household earns $79,529. A $1,938 principal-and-interest payment (example 6.5% rate) is about 29% of that income before taxes and insurance.
Tarpon Springs vs. similar communities
| Community | Median value | Median household income |
|---|---|---|
| Tarpon Springs | $340,700 | $79,529 |
| Bardmoor | $334,700 | $89,400 |
| Seminole | $348,500 | $75,774 |
| South Pasadena | $350,200 | $53,075 |
| Clearwater | $361,300 | $66,381 |
| Gulfport | $366,200 | $71,203 |
What happens after you ask
We read your request, then introduce you to a single licensed loan officer who works in Tarpon Springs. They reach out directly, typically the same business day. You decide whether to work with them, and there's no cost or commitment from you.
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.