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Tampa, FL

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US location · verified

Neighborhood intelligence

Your Tampa relocation brief

Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for Tampa.

Median rent

$1,977/mo

HUD 2024

Median household income

$66,802

Census ACS 2022

Median home value

$333,200

Census ACS 2022

Safety score

75/100

FBI CDE

Schools

B+

Estimated

Weather

85°F (H 94° / L 77°)

Open-Meteo

Safety & Crime Index

75/100

FBI CDE

Above-average peace of mind — 1% above average

Above Average

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 85°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 54 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how Tampa stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in Tampa FL

Tampa offers above-average safety (75/100) and solid schools (B+), two things that are hard to find together in a mid-size city. Rent runs $1,977/month and median income sits at $66,802.

Tampa has about 388,768 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is Tampa FL Safe?

Tampa FL scores 75/100 on safety (above average). Crime is about 1% above the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 101 (100 = avg); violent crime index 120; property crime index 81. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Tampa FL

Campus scores in the report: Tampa Elementary (elementary) at 7/10; Tampa Middle School (middle) at 7/10; Tampa High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in Tampa FL

Typical rent in Tampa is about $1,977/month (on the high side). At $1,977/month for a typical unit, you need about $71,172+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $333,200.

Median household income is $66,802, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($66,802) sits below the $71,172 comfort line for that rent. Many households will feel stretched.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Tampa FL

Average temperature is about 85°F (highs near 94°F, lows near 77°F).

Midafternoon outdoor time is limited most of summer without shade and water. Plan on summer electric bills around $200–$300/month for a typical apartment if you run AC hard. If you visit, go in July or August. That is the real test.

Who Should Move to Tampa FL?

Who tends to thrive in Tampa: (1) Households that want quieter streets (safety sits at 75/100) (2) Dual-income households (at $1,977/month, the rent math works much better with two salaries) (3) People who genuinely love heat and do not mind living indoors June through September (highs near 94°F) (4) People relocating for a job who can pick a safer ZIP (citywide safety is 75/100)

Who should look elsewhere: (1) Single earners under $70k (the rent-to-income ratio is tight at $1,977/month) (2) People who need outdoor time year-round for their mental health (summers lock you inside for 3–4 months; highs near 94°F) (3) Anyone stretching past 40% of take-home on housing at $1,977/month

Income sniff test: clear about $71,172 household income for $1,977/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Tampa holds up well on the core metrics. Safety at 75/100 and B+ schools make it a reasonable choice for families who can manage $1,977/month rent.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Tampa.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,301

Mortgage + tax + insurance + HOA

Annual property tax

$4,831

Annual est. $5,580

Est. monthly utilities

$583

Climate-adjusted electric, gas & water

Median home price

$333,200

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$300k
2022
$308k
2023
$316k
2024
$324k
2025
$333k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$324/mo vs buying
$1,977HUD 2024
Rent
$2,301
Buy

Mortgage

$1,685

Property tax

$403

Insurance

$119

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$4,421/yr

2024

1.37%

$4,554/yr

2025

1.41%

$4,690/yr

2026

1.45%

$4,831/yr

Buying in Tampa? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

42 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,428/yr

moderate exposure
Wind hazard index54 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 85°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,428.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Tampa to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo