🏠 Tampa, FL · 2026

Mortgage Calculator
Tampa, FL

$398,000
Median Home
$2,615/mo
PITI Payment
$112K+
Salary Needed

Tampa Housing Market 2026

The median home price in Tampa is $398,000. At current 7.1% rates, your monthly PITI payment on an 80% conventional loan comes to $2,615/month. To qualify under standard 28% DTI guidelines, you need at least $112,000/year.

FRC Buyer Demand: COOLING — buyers have strong negotiating leverage right now.

Median Home Price$398,000
20% Down Payment$79,600
Monthly P&I$2,140
Property Tax (0.98%)$325/mo
Insurance (est.)$150/mo
Total PITI$2,615/mo
Salary Needed$112K+/yr
Calculate your exact payment for any Tampa home
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Frequently Asked Questions

What is the average mortgage payment in Tampa, FL?
Based on the median Tampa home price of $398,000 with 20% down at 7.1% rate, the estimated PITI payment is $2,615/month including principal, interest, property taxes, and home insurance.
What salary do I need to buy a home in Tampa?
To afford the median Tampa home under standard 28% front-end DTI guidelines, you need at least $112,000/year in gross income. Existing debt obligations may require a higher income.
Is Tampa a good place to buy a home in 2026?
Tampa currently shows COOLING buyer demand. Buyers have significant negotiating leverage — good time to buy.
Tampa Affordability → Mortgage Calculator → Credit Simulator → Days to Homeownership →
Data: NAR, Freddie Mac PMMS, US Census Bureau, Tax Foundation. Educational use only.
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From the 2025 federal record

In the Tampa, FL metro area, 21.6% of the 15,886 FHA applications that reached a credit decision were denied in 2025. Small applications (under $150K) were denied at 44.9%. The gap between its softest and hardest high-volume FHA door was 22.4 points (Click n' Close, Inc. 6.1% vs ROCKET MORTGAGE 28.5%). See this metro's full lender table →

CFPB HMDA 2025 · decisioned = actions 1,2,3 · historical observation, not a prediction · FinanceRateCalc

The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.

Which lenders approve most → Your metro → Denied? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.