SEAN ROWLEYMortgage Broker · NMLS #2003532COMPARE TAMPA BAY
The right home works on an ordinary Tuesday: the commute, the household routine, and the full monthly cost.
These are geographic planning considerations, not neighborhood rankings or promised drive times. Confirm routes with current traffic tools and research properties with your real estate professional.
Showing all 5 areas
Hillsborough County
Begin here if reducing the distance to the installation is a priority. Compare the specific access gate and local streets.
Review roof condition, insurance quotes, flood maps, evacuation zones, and drainage at each address.
Hillsborough County
Compare homes east and southeast of Tampa while testing the entire route to MacDill.
Review peak-hour traffic, potential tolls, HOA obligations, and any CDD assessments on the actual property.
Pasco County
Compare northern Tampa Bay locations against your household’s daily destinations, including a MacDill commute.
Verify school-year boundaries, total builder pricing, CDD assessments, insurance, and an allowance for the longer trip.
Northern Tampa Bay
Evaluate northern routes and your exact parcel rather than assuming all nearby mailing addresses share county services.
Confirm county jurisdiction, schools, utilities, commute options, and tax estimates by address.
Pinellas County
Include these areas if your work or household routines also take you west of the bay.
For a MacDill assignment, test bridge routes and incident alternatives. Check address-specific storm and insurance exposure.
AUGUST 2026 / SINGLE-FAMILY HOMES / COUNTY-WIDE
| Measure | Hillsborough | Pasco |
|---|---|---|
| Median sale price | $419,900 | $383,745 |
| Price change from August 2025 | −0.8% | −0.1% |
| Median time to contract | 35 days | 43 days |
| Months of inventory | 3.9 | 4.3 |
These figures describe closed sales and inventory for each entire county, not a Wesley Chapel neighborhood, a specific property, or VA-financed homes alone. They are historical context—not live prices or a forecast. A county median is not a valuation of the home you want.
How to use them: ask your agent for recent comparable sales and current competition in your price range. Discuss seller credits and repairs using the property’s condition and financing details.
Hillsborough: August 2026 market report (PDF) ↗ · Pasco: August 2026 market report (PDF) ↗ · Check for a newer release ↗
Add monthly estimates below. Use written quotes for the specific home. The worksheet adds expenses; it does not calculate a loan payment or determine affordability.
Divide annual quotes by 12. Do not count taxes or insurance twice if your lender gives you an escrow-inclusive payment. Enter principal and interest alone above. CDD charges may already appear on the tax bill.
Ask about coverage, hurricane deductibles, roof age, and any four-point or wind-mitigation inspection needs. Obtain a flood quote separately. A flood zone and an evacuation zone answer different questions.
The seller’s current tax bill may not reflect your future bill. Request a new-owner estimate and identify non-ad valorem assessments. Ask the county property appraiser about homestead and military exemptions; eligibility must be established.
Florida DFS homeowners insurance guide ↗ · Florida property tax exemptions and military benefits ↗ · Hillsborough flood maps ↗ · Hillsborough evacuation zone lookup ↗ · Pasco evacuation zone lookup ↗
For schools, verify the exact address, grade, and school year with the district. Boundaries and program availability can change. Hillsborough lookup ↗ · Pasco lookup ↗
YOUR NEXT STEP
Questions first. A clear plan from there.