In St. Pete Beach, a typical home is worth $675,700 and typical rent is $1,811 a month. Compared with all of Pinellas County, the typical home value is 90% higher, typical household income is 58% higher, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $605,955 to $606,325.
Typical rent
$2,619a month
▲ 6.9% more than 12 months ago
Typical rent from Zillow, December 2024 to September 2026: from $2,674 to $2,619.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Pete Beach 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
The typical home in St. Pete Beach is worth $675,700,90% more than in Pinellas County as a whole ($355,100).
2
Nearby, in Kenneth City, the typical home value is $241,200: 64% less than in St. Pete Beach ($675,700).
3
The typical household income in St. Pete Beach is $114,583,58% more than in Pinellas County as a whole ($72,646).
4
St. Pete Beach has the 12th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (40%).
5
75% of households in St. Pete Beach own their home, against 70% in Pinellas County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Pete Beach
What homes there are in St. Pete Beach, 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
St. Pete Beach
Pinellas County
Florida
United States
Kind of home: St. Pete Beach and its comparisons
Measure
St. Pete Beach
Pinellas County
Florida
United States
Detached house
41%
48%
55%
61%
Attached house
Unreliable estimate
6%
7%
6%
Building of 2 to 4
9%
7%
6%
8%
Apartments (5 or more)
48%
30%
25%
19%
Mobile home
Unreliable estimate
9%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In St. Pete Beach, the apartment is the most common kind of home: 48%, against 30% in Pinellas County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
St. Pete Beach
Pinellas County
Florida
United States
Year built: St. Pete Beach and its comparisons
Measure
St. Pete Beach
Pinellas County
Florida
United States
Before 1960
33%
20%
10%
26%
1960–1979
42%
39%
24%
24%
1980–1999
18%
29%
34%
25%
2000–2009
5%
7%
18%
14%
2010 or later
Unreliable estimate
6%
14%
11%
In St. Pete Beach, half of the homes were built before 1971; in Pinellas County, before 1977.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K17%
$500K–$750K23%
$750K–$1M10%
$1M or more33%
Value of owner-occupied homes: St. Pete Beach and its comparisons
Measure
St. Pete Beach
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
17%
$500K–$750K
23%
$750K–$1M
10%
$1M or more
33%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49929%
$1,500–$1,99927%
$2,000–$2,49917%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Pete Beach and its comparisons
Measure
St. Pete Beach
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
29%
$1,500–$1,999
27%
$2,000–$2,499
17%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,906 a month
Pinellas County: $1,948 a month
Without a mortgage
$1,239 a month
Pinellas County: $734 a month
Owners with a mortgage
42%
Pinellas County: 51%
In St. Pete Beach, 42% of owners have a mortgage, and their typical cost is $2,906 a month, against $1,948 in Pinellas County. Without one it drops to $1,239.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Pete Beach+46%
Pinellas County+77%
Florida+67%
United States+53%
Typical rent
St. Pete Beach+64%
Pinellas County+48%
Florida+42%
United States+33%
Typical household income
St. Pete Beach+50%
Pinellas County+34%
Florida+34%
United States+29%
Change since 2015–2019: St. Pete Beach and its comparisons
Measure
St. Pete Beach
Pinellas County
Florida
United States
Typical home value
+46%
+77%
+67%
+53%
Typical rent
+64%
+48%
+42%
+33%
Typical household income
+50%
+34%
+34%
+29%
The typical home value in St. Pete Beach rose 46% since 2015–2019, less than in Pinellas County (77%).
Since 2015–2019, the typical rent in St. Pete Beach rose 64%, more than in Pinellas County (48%).
While home values in St. Pete Beach changed +46% and rent +64%, the typical household income rose 50%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Pete Beach and its comparisons
Measure
St. Pete Beach
Pinellas County
Florida
United States
Rental vacancy
20.6%
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
1.76
2.20
2.51
2.53
Drive alone
60%
68%
70%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
31%
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
In St. Pete Beach, the rental vacancy rate is 20.6%; in Pinellas County, 9.1%.
Households in St. Pete Beach are smaller: 1.76 people on average; in Pinellas County, 2.20.
Working from home is more common in St. Pete Beach: 31%, against 20% in Pinellas County.
Do the math
What would you pay each month for a home in St. Pete Beach?
A typical home costs more than the typical income allows
We start with a typical home in St. Pete Beach, worth $675,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in St. Pete Beach, which is $114,583 a year. For that payment to be 28% of income, a household would need to earn about $237,526 a year. Note: at that price the loan is above the FHA limit for Pinellas County ($541,287), so FHA would not insure it; the payment is only a reference.
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 St. Pete Beach. 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 $23,650 (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
$5,542
at 7.18% · 30 years
Loan amount
$663,461
Total interest
$954,565
Paid off in
November 2056
Includes $11,411 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,674 a month
Tight
$2,674 to $3,437 a month
Hard
more than $3,437 a month
Your payment · 58%
Compared with the typical household income in St. Pete Beach ($114,583 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,495
Property tax
$467
Home insurance
$282
FHA mortgage insurance (MIP)
$299
This loan is over the FHA limit
You'd borrow $652,050, but the FHA limit for a one-unit home in St. Pete Beach is $541,287. You'd need a bigger down payment or a different loan.
You need at least $23,650 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 $5,542; principal and interest $4,495.
The city and its county
St. Pete Beach and Pinellas County
St. Pete Beach 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).
St. Pete Beach
Map of Pinellas County, Florida, with St. Pete Beach marked. Around it, the neighboring counties.
St. Pete Beach
Pinellas County
Other cities with a page
St. Pete Beach's own numbers
Typical home value
$675,700
Typical monthly rent
$1,811
Typical yearly household income
$114,583
Households that own their home
75%
Effective property tax rate
0.83%
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 St. Pete Beach is worth $675,700: 90% above the county and 88% above Florida. With the typical household income in St. Pete Beach ($114,583 a year), a typical home costs 5.9 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.
St. Pete Beach5.9 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
St. Pete Beach 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
St. Pete Beach$675,700
Pinellas$355,100
Florida$359,000
United States$332,700
Typical monthly rent
St. Pete Beach$1,811
Pinellas$1,642
Florida$1,669
United States$1,413
Typical yearly household income
St. Pete Beach$114,583
Pinellas$72,646
Florida$74,568
United States$80,734
See the full table
St. Pete Beach next to Pinellas County and Florida
Measure
St. Pete Beach
Pinellas County
Florida
U.S.
Typical home value
$675,700 ▲90% above the county
$355,100
$359,000
$332,700
Typical monthly rent
$1,811 ▲10% above the county
$1,642
$1,669
$1,413
Typical yearly household income
$114,583 ▲58% above the county
$72,646
$74,568
$80,734
Households that own their home
75% ▲5 points above the county
70%
68%
65%
Typical yearly property tax
$5,631 ▲128% above the county
$2,474
$2,730
$3,119
Effective property tax rate
0.83% ▲0.13 points above the county
0.7%
0.76%
0.94%
Renters with high rent for their income
40% ▼20 points below 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 St. Pete Beach
For a typical $675,700 home in St. Pete Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Pete Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,542a month
Above the FHA limit for Pinellas County ($541,287)
Down payment
$23,650
Cash to close
$43,921
Rate
7.18%
Mortgage insurance
FHA MIP · $299
Conventional, 5% down$5,418a month
Least cash to close
Down payment
$33,785
Cash to close
$54,056
Rate
7.18%
Mortgage insurance
PMI · $321
Conventional, 20% down, no PMI$4,411a month
Down payment
$135,140
Cash to close
$155,411
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,036a month
Down payment
$101,355
Cash to close
$121,626
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Pete Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Pinellas County ($541,287)
$5,542
$23,650
$663,461
7.18%
FHA MIP · $299
$43,921
580
Conventional, 5% down Least cash to close
$5,418
$33,785
$641,915
7.18%
PMI · $321
$54,056
620*
Conventional, 20% down, no PMI
$4,411
$135,140
$540,560
7.18%
None
$155,411
620*
ITIN, 15% down (example)
$5,036
$101,355
$574,345
8.18%
None
$121,626
Set by the lender
The option that asks for the least cash to close is Conventional, 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 St. Pete Beach is $1,811 a month: 10% above the county. In St. Pete Beach, 40% 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 St. Pete Beach
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Pete Beach is in ZIP code 33706.
For 2 bedrooms it is $2,060: $143 more than the fair market rent for Pinellas County ($1,917).
Fair market rent by ZIP code and size in St. Pete Beach, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33706
$1,720
$1,770
$2,060
$2,630
$3,200
ZIP code2 bd3 bd
33706 $2,060$2,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Pete Beach 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 St. Pete Beach or Pinellas County. The ones below are statewide in Florida: they work in St. Pete Beach 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.
The HUD-approved agencies closest to the center of St. Pete Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
SP
ST. Petersburg Neighborhood Housing Services, Inc.dba Neighborhood Home Solutions
1600 Dr M L King St N, St Petersburg · 6 miles away
No legal help resource on our list is for St. Pete Beach 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 St. Pete Beach 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 St. Pete Beach?
The typical home value in St. Pete Beach is $675,700, 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 St. Pete Beach?
Typical rent in St. Pete Beach is $1,811 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 St. Pete Beach?
St. Pete Beach 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 St. Pete Beach?
The typical homeowner in St. Pete Beach pays $5,631 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Pinellas County, the rate is 0.7%.
Where can I find free help to buy or rent in St. Pete Beach?
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.
