CALCMONEY // MORTGAGE // FL // TAMPA
Calculate your monthly mortgage payment using Tampa-specific property tax rates and local market data.
$390,000
6.9%
0.95%
103
| Principal & Interest | $2,055 |
| Property Tax | $309 |
| Homeowners Insurance (est.) | $130 |
| Total Monthly Payment (PITI) | $2,494 |
$78,000
$427,740
$106,868/yr
$390,000 buys the median home in Tampa right now. With 20% down, that's a $78,000 down payment and a $312,000 loan, set against a $62,000 median household income.
Factor in $309/month for property tax in Tampa, based on the area's 0.95% effective rate applied to the median home price. That's $3,705 annually.
No state income tax in Florida means the $62,000 median household income stretches further than the same salary would in an income-tax state, which matters directly against a $2,494/month payment.
Day-to-day expenses in Tampa track at 103 against the national 100 baseline, above average once you look past the mortgage payment itself.
Tampa's median home price runs 35% lower than nearby Miami: $600,000 there versus $390,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $312,000 loan saves $14,040 in interest over 30 years.
Compare Top Tampa Mortgage LendersMiami
$600,000 median
FLOrlando
$380,000 median
FLJacksonville
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FLFort Lauderdale
$530,000 median
Neighborhood-level data for 4 ZIP codes in Tampa. Rates, home prices, and estimated payments vary by area.