Typical home value from Zillow, September 2021 to September 2026: from $320,675 to $348,410.
Typical rent
$2,045a month
▲ 2.9% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,689 to $2,045.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Gulfport is in Pinellas County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pinellas County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Kenneth City, the typical home value is $241,200: 34% less than in Gulfport ($366,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Gulfport
What homes there are in Gulfport, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Gulfport
Pinellas County
Florida
United States
Kind of home: Gulfport and its comparisons
Measure
Gulfport
Pinellas County
Florida
United States
Detached house
61%
48%
55%
61%
Attached house
3%
6%
7%
6%
Building of 2 to 4
7%
7%
6%
8%
Apartments (5 or more)
26%
30%
25%
19%
Mobile home
3%
9%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Gulfport: 61% of homes, more than in Pinellas County (48%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Gulfport
Pinellas County
Florida
United States
Year built: Gulfport and its comparisons
Measure
Gulfport
Pinellas County
Florida
United States
Before 1960
48%
20%
10%
26%
1960–1979
33%
39%
24%
24%
1980–1999
13%
29%
34%
25%
2000–2009
4%
7%
18%
14%
2010 or later
3%
6%
14%
11%
The typical home in Gulfport was built in 1963, 14 years before the typical one in Pinellas County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K9%
$200K–$300K19%
$300K–$500K42%
$500K–$750K11%
$750K–$1M6%
$1M or more9%
Value of owner-occupied homes: Gulfport and its comparisons
Measure
Gulfport
Under $100K
Unreliable estimate
$100K–$200K
9%
$200K–$300K
19%
$300K–$500K
42%
$500K–$750K
11%
$750K–$1M
6%
$1M or more
9%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49935%
$1,500–$1,99934%
$2,000–$2,49914%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Gulfport and its comparisons
Measure
Gulfport
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
35%
$1,500–$1,999
34%
$2,000–$2,499
14%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,830 a month
Pinellas County: $1,948 a month
Without a mortgage
$776 a month
Pinellas County: $734 a month
Owners with a mortgage
49%
Pinellas County: 51%
Owning costs less in Gulfport: with a mortgage, the typical cost is $1,830 a month; in Pinellas County, $1,948. Without one, $776.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Gulfport+97%
Pinellas County+77%
Florida+67%
United States+53%
Typical rent
Gulfport+45%
Pinellas County+48%
Florida+42%
United States+33%
Typical household income
Gulfport+35%
Pinellas County+34%
Florida+34%
United States+29%
Change since 2015–2019: Gulfport and its comparisons
Measure
Gulfport
Pinellas County
Florida
United States
Typical home value
+97%
+77%
+67%
+53%
Typical rent
+45%
+48%
+42%
+33%
Typical household income
+35%
+34%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Gulfport rose 97%; in Pinellas County, it rose 77%.
Rents in Gulfport rose at about the same pace as in Pinellas County: 45% since 2015–2019, against 48%.
The typical household income in Gulfport rose 35%: less than home values (+97%) and rent (+45%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Gulfport and its comparisons
Measure
Gulfport
Pinellas County
Florida
United States
Rental vacancy
Unreliable estimate
9.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.0%
3.3%
3.4%
People per household
1.91
2.20
2.51
2.53
Drive alone
63%
68%
70%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
7%
2%
2%
3%
Work from home
24%
20%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Gulfport are smaller: 1.91 people on average; in Pinellas County, 2.20.
In Gulfport, 7% of workers walk or bike to work; in Pinellas County, 2%.
Do the math
What would you pay each month for a home in Gulfport?
A typical home costs more than the typical income allows
We start with a typical home in Gulfport, worth $366,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Gulfport, which is $71,203 a year. For that payment to be 28% of income, a household would need to earn about $126,113 a year.
The calculator's FHA and conventional loan limits are those of all of Pinellas County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Gulfport. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $12,817 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,943
at 7.18% · 30 years
Loan amount
$359,567
Total interest
$517,333
Paid off in
November 2056
Includes $6,184 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,661 a month
Tight
$1,661 to $2,136 a month
Hard
more than $2,136 a month
Your payment · 50%
Compared with the typical household income in Gulfport ($71,203 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,436
Property tax
$192
Home insurance
$153
FHA mortgage insurance (MIP)
$162
You need at least $12,817 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,943; principal and interest $2,436.
The city and its county
Gulfport and Pinellas County
Gulfport is in Pinellas County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Gulfport
Map of Pinellas County, Florida, with Gulfport marked. Around it, the neighboring counties.
Gulfport
Pinellas County
Other cities with a page
Gulfport's own numbers
Typical home value
$366,200
Typical monthly rent
$1,555
Typical yearly household income
$71,203
Households that own their home
74%
Effective property tax rate
0.63%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pinellas County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.2%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinellas County.
A typical home in Gulfport is worth $366,200: 3% above the county and 2% above Florida. With the typical household income in Gulfport ($71,203 a year), a typical home costs 5.1 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Gulfport5.1 years
Pinellas4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pinellas County
According to FHFA’s house price index, home prices in Pinellas County rose 145% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pinellas County.
Yearly change in FHFA’s price index in Pinellas County, 2016 to 2025
2016: +11.0% +11.0% 2016
2017: +9.9% +9.9% 2017
2018: +9.1% +9.1% 2018
2019: +6.7% +6.7% 2019
2020: +6.4% +6.4% 2020
2021: +17.4% +17.4% 2021
2022: +24.8% +24.8% 2022
2023: +8.9% +8.9% 2023
2024: +3.8% +3.8% 2024
2025: −2.0% −2.0% 2025
Change in FHFA’s price index in Pinellas County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−2.0%
−0.5%
+2.9%
5 years (2020–2025)
+62%
+60%
+47%
10 years (2015–2025)
+145%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Gulfport next to Pinellas County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Gulfport$366,200
Pinellas$355,100
Florida$359,000
United States$332,700
Typical monthly rent
Gulfport$1,555
Pinellas$1,642
Florida$1,669
United States$1,413
Typical yearly household income
Gulfport$71,203
Pinellas$72,646
Florida$74,568
United States$80,734
See the full table
Gulfport next to Pinellas County and Florida
Measure
Gulfport
Pinellas County
Florida
U.S.
Typical home value
$366,200 ▲3% above the county
$355,100
$359,000
$332,700
Typical monthly rent
$1,555 ▼5% below the county
$1,642
$1,669
$1,413
Typical yearly household income
$71,203
$72,646
$74,568
$80,734
Households that own their home
74% ▲5 points above the county
70%
68%
65%
Typical yearly property tax
$2,301 ▼7% below the county
$2,474
$2,730
$3,119
Effective property tax rate
0.63% ▼0.07 points below the county
0.7%
0.76%
0.94%
Renters with high rent for their income
64% ▲4 points above the county
60%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinellas County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Gulfport
For a typical $366,200 home in Gulfport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gulfport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,943a month
Least cash to close
Down payment
$12,817
Cash to close
$23,803
Rate
7.18%
Mortgage insurance
FHA MIP · $162
Conventional, 5% down$2,876a month
Down payment
$18,310
Cash to close
$29,296
Rate
7.18%
Mortgage insurance
PMI · $174
Conventional, 20% down, no PMI$2,329a month
Down payment
$73,240
Cash to close
$84,226
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,668a month
Down payment
$54,930
Cash to close
$65,916
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Gulfport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,943
$12,817
$359,567
7.18%
FHA MIP · $162
$23,803
580
Conventional, 5% down
$2,876
$18,310
$347,890
7.18%
PMI · $174
$29,296
620*
Conventional, 20% down, no PMI
$2,329
$73,240
$292,960
7.18%
None
$84,226
620*
ITIN, 15% down (example)
$2,668
$54,930
$311,270
8.18%
None
$65,916
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Gulfport is $1,555 a month: 5% below the county. In Gulfport, 64% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pinellas County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pinellas County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,597
$30.71
$63,880
1 bedroom
$1,648
$31.69
$65,920
2 bedrooms
$1,917
$36.87
$76,680
3 bedrooms
$2,448
$47.08
$97,920
4 bedrooms
$2,977
$57.25
$119,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Gulfport
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gulfport is in ZIP code 33707.
For 2 bedrooms it is $1,820: $97 less than the fair market rent for Pinellas County ($1,917).
Fair market rent by ZIP code and size in Gulfport, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33707
$1,520
$1,560
$1,820
$2,320
$2,830
ZIP code2 bd3 bd
33707 $1,820$2,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gulfport when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 4 HUD-approved agencies with an office in Pinellas County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Gulfport or Pinellas County. The ones below are statewide in Florida: they work in Gulfport the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Gulfport or Pinellas County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Gulfport and all of Pinellas County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Gulfport?
The typical home value in Gulfport is $366,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinellas County it is $355,100.
How much does it cost to rent in Gulfport?
Typical rent in Gulfport is $1,555 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinellas County is $1,917.
What is the FHA loan limit in Gulfport?
Gulfport uses the FHA limit for all of Pinellas County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Gulfport?
The typical homeowner in Gulfport pays $2,301 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Pinellas County, the rate is 0.7%.
Where can I find free help to buy or rent in Gulfport?
There are 4 HUD-approved counseling agencies with an office in Pinellas County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
