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City · 25,791 residents · Pinellas County, Florida

Tarpon Springs , Florida

In Tarpon Springs, a typical home is worth $340,700 and typical rent is $1,298 a month. Compared with all of Pinellas County, typical rent is 21% lower, typical household income is 9% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $340,700

    4% below the county

    5% below Florida

    • Tarpon Springs
    • Pinellas
    • Florida

  • Typical rent

    $1,298a month

    21% below the county

    22% below Florida

    • Tarpon Springs
    • Pinellas
    • Florida

  • Typical household income

    $79,529a year

    9% above the county

    7% above Florida

    • Tarpon Springs
    • Pinellas
    • Florida

  • Households that own their home

    81%

    12 points above the county

    13 points above Florida

    • Tarpon Springs
    • Pinellas
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$387,014
0.5% less than 12 months ago
Typical rent
$2,002 a month
4.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Tarpon Springs 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Tarpon Springs apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Holiday, the typical home value is $170,100: 50% less than in Tarpon Springs ($340,700).

  2. The typical rent in Tarpon Springs is $1,298 a month, 21% less than in Pinellas County as a whole ($1,642).

  3. 81% of households in Tarpon Springs own their home, against 70% in Pinellas County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Tarpon Springs

What homes there are in Tarpon Springs, 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

In Tarpon Springs, 6 in 10 homes are single-family detached houses; in Pinellas County, 5.

Year built

Here half of the homes date from 1984 or later; in Pinellas County, from 1977 or later.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Pinellas County is $541,287, and about 81% of owner-occupied homes in Tarpon Springs are worth less than that.

Monthly rent with utilities

With a mortgage

$2,218 a month

Pinellas County: $1,948 a month

Without a mortgage

$837 a month

Pinellas County: $734 a month

Owners with a mortgage

54%

Pinellas County: 51%

Owning costs more in Tarpon Springs: with a mortgage, the typical cost is $2,218 a month; in Pinellas County, $1,948. Without one, $837.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Tarpon Springs rose 63% since 2015–2019, less than in Pinellas County (77%).

Since 2015–2019, the typical rent in Tarpon Springs rose 53%, more than in Pinellas County (48%).

The typical household income in Tarpon Springs rose 59% over that time; home values changed +63% and rent +53%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureTarpon SpringsPinellas CountyFloridaUnited States
Rental vacancy Unreliable estimate9.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.122.202.512.53
Drive alone 69%68%70%69%
Carpool 5%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 22%20%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Tarpon Springs has 2.12 people on average, about the same as in Pinellas County (2.20).

To get to work, 69% of workers in Tarpon Springs drive alone; in Pinellas County, 68%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Tarpon Springs?

A typical home costs more than the typical income allows

We start with a typical home in Tarpon Springs, worth $340,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Tarpon Springs, which is $79,529 a year. For that payment to be 28% of income, a household would need to earn about $119,522 a year.

The calculator's FHA and conventional loan limits are those of all of Pinellas County.

Your numbers

Local data
$

Starts at the typical home value in Tarpon Springs. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,925 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,789

at 7.18% · 30 years

Loan amount
$334,529
Total interest
$481,308
Paid off in
November 2056

Includes $5,754 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,856 a month

  • Tight

    $1,856 to $2,386 a month

  • Hard

    more than $2,386 a month

    Your payment · 42%

Compared with the typical household income in Tarpon Springs ($79,529 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,789
Principal & interest$2,266
Property tax$230
Home insurance$142
FHA mortgage insurance (MIP)$151

You need at least $11,925 for the down payment, plus closing costs.

Next step

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.

The city and its county

Tarpon Springs and Pinellas County

Tarpon Springs 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).

Tarpon Springs's own numbers

Typical home value
$340,700
Typical monthly rent
$1,298
Typical yearly household income
$79,529
Households that own their home
81%
Effective property tax rate
0.81%

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.

Everything about Pinellas County

Buying

Buying a home in Tarpon Springs

A typical home in Tarpon Springs is worth $340,700: 4% below the county and 5% below Florida. With the typical household income in Tarpon Springs ($79,529 a year), a typical home costs 4.3 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.

  • Tarpon Springs 4.3 years
  • Pinellas 4.9 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Tarpon Springs 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
  • Tarpon Springs $340,700
  • Pinellas $355,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Tarpon Springs $1,298
  • Pinellas $1,642
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Tarpon Springs $79,529
  • Pinellas $72,646
  • Florida $74,568
  • United States $80,734
See the full table
Tarpon Springs next to Pinellas County and Florida
Measure Tarpon Springs Pinellas County Florida U.S.
Typical home value $340,700 $355,100 $359,000 $332,700
Typical monthly rent $1,298 $1,642 $1,669 $1,413
Typical yearly household income $79,529 $72,646 $74,568 $80,734
Households that own their home 81% 70% 68% 65%
Typical yearly property tax $2,761 $2,474 $2,730 $3,119
Effective property tax rate 0.81% 0.7% 0.76% 0.94%
Renters with high rent for their income 55% 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 Tarpon Springs

For a typical $340,700 home in Tarpon Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tarpon Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,789a month

    Least cash to close
    Down payment
    $11,925
    Cash to close
    $22,146
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $2,726a month

    Down payment
    $17,035
    Cash to close
    $27,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $162

  • Conventional, 20% down, no PMI $2,218a month

    Down payment
    $68,140
    Cash to close
    $78,361
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,533a month

    Down payment
    $51,105
    Cash to close
    $61,326
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Tarpon Springs and for Pinellas County.

Property tax

Effective rate in Tarpon Springs

0.81%of the home’s value each year

$2,761 a year for the typical owner in Tarpon Springs.

  • Tarpon Springs 0.81%
  • Pinellas 0.7%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Pinellas County

FEMA does not publish these numbers by city: they are for all of Pinellas County.

Homes in the high-risk zone
1.2%
4,807
Of those, with NFIP insurance
—
County Florida U.S.
Homes in the high-risk zone 1.2% 13% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Tarpon Springs

Typical rent in Tarpon Springs is $1,298 a month: 21% below the county. In Tarpon Springs, 55% 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.

HUD fair market rent for all of Pinellas County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Tarpon Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tarpon Springs is in ZIP code 34689.

For 2 bedrooms it is $1,580: $337 less than the fair market rent for Pinellas County ($1,917).

  • 34689 $1,580$2,020

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tarpon Springs 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Tarpon Springs

HUD lists 10 buildings with rents for lower incomes in Tarpon Springs. These are the largest.

  • Riverside (tarpon Springs) 1589 Starlight Cv, Tarpon Springs 34689 304 homes, 258 low-income · 1 bd: 80 · 2 bd: 128 · 3 bd: 72 · 4 bd: 24 · In service since 2002 · For families
  • Savannah Cove 1124 Lauren Ln, Tarpon Springs 34689 160 low-income homes · 1 bd: 80 · 2 bd: 80 · In service since 2004 · For older adults
  • The Villages at Tarpon 500 S Walton Ave, Tarpon Springs 34689 95 low-income homes · For older adults (727) 569-0175
  • Sandpiper Village 300 S Walton Ave, Tarpon Springs 34689 80 low-income homes · For families (727) 937-1124
  • Oak Ridge Estates 402 E Morgan St, Tarpon Springs 34689 62 low-income homes · 1 bd: 8 · 2 bd: 54 · In service since 2011 · For families

See all 103 buildings in Pinellas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Tarpon Springs

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.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Tarpon Springs

No down payment, repair or rent-help program on our list is for Tarpon Springs or Pinellas County. The ones below are statewide in Florida: they work in Tarpon Springs the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Tarpon Springs

The HUD-approved agencies closest to the center of Tarpon Springs, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Clearwater Neighborhood Housing Services, Inc.

    608 N Garden Ave, Clearwater · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (727) 442-4155

  • TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS

    2139 NE Coachman Rd, Clearwater · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (727) 442-7075

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    13921 Icot Blvd, Clearwater · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (866) 395-5769

Every agency in Pinellas County All counseling agencies in Florida

Help in Spanish near Tarpon Springs

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Tarpon Springs

HUD’s record names them for Tarpon Springs or Pinellas County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Tarpon Springs Housing Authority Public housing (727) 937-4411
  • Pinellas County Housing Authority Public housing and Section 8 vouchers (727) 443-7684

4 other authorities have an office in Pinellas County: see the list Source: HUD

Cities

Other cities in Pinellas County

These cities are also in Pinellas County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pinellas County Housing in Florida
See 6 more cities in Pinellas County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Tarpon Springs, with the typical home value.

Neighboring counties

If Pinellas County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Tarpon Springs.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Tarpon Springs

Short answers with the numbers for Tarpon Springs 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 Tarpon Springs?

The typical home value in Tarpon Springs is $340,700, 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 Tarpon Springs?

Typical rent in Tarpon Springs is $1,298 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 Tarpon Springs?

Tarpon Springs 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 Tarpon Springs?

The typical homeowner in Tarpon Springs pays $2,761 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Pinellas County, the rate is 0.7%.

Where can I find free help to buy or rent in Tarpon Springs?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).