Quick Answer
Should you buy a house in Florida in 2026?
Yes, if you plan to stay 7+ years and can handle the full monthly cost. Florida’s market has cooled from pandemic highs but remains solid. Statewide median is $405K, inventory has expanded to 6+ months for single-family, and mortgage rates hover near 6%. The biggest wildcard is insurance – budget $3,500-$8,000/year. Tampa Bay homes under $425K with new roofs still move in 25-30 days. Text Barrett your situation for a quick read on your timing.
Florida’s housing market enters 2026 at an important inflection point. After years of pandemic-driven price acceleration followed by a cooling correction phase, the state’s real estate landscape is stabilizing. Inventory has expanded, buyer leverage has returned in many areas, and mortgage rates are trending toward levels that could unlock pent-up demand. For buyers and sellers navigating this environment, the decisions made in 2026 will be shaped by local dynamics as much as statewide trends.
This guide covers the full picture: statewide data, Tampa Bay county-by-county breakdowns, neighborhood price ranges, rate impacts on affordability, and an honest 2026 forecast. Barrett Henry is a Broker Associate with RE/MAX Collective serving buyers and sellers throughout the Tampa Bay area, including Hillsborough, Pinellas, Pasco, Hernando, Polk, Manatee, and Citrus counties. Reach Barrett at (813) 733-7907, [email protected], or nowtb.com/contact.
Florida Real Estate Market at a Glance
Florida’s statewide housing market kicked off 2026 with measurable momentum. According to Florida Realtors data released in February 2026, January closed sales for single-family homes reached 16,298, up 5.9% compared to January 2025. Existing condo and townhouse sales totaled 6,084, up 5.1% year-over-year. New listings in both categories hit their highest January levels since Florida Realtors began tracking the data in 2008.
The statewide median sales price for single-family existing homes in January 2026 was $405,000, down 1.2% from a year earlier. For condo and townhouse units, the median was $305,000, down 2.4%. These modest price declines reflect a market transitioning from seller-dominance toward balance, not a market in distress.
| Metric | Florida Statewide (January 2026) |
|---|---|
| Single-Family Closed Sales | 16,298 (up 5.9% YoY) |
| Condo/Townhouse Closed Sales | 6,084 (up 5.1% YoY) |
| Median Single-Family Sale Price | $405,000 (down 1.2% YoY) |
| Median Condo/Townhouse Sale Price | $305,000 (down 2.4% YoY) |
| Single-Family Inventory | Approximately 6.2 months of supply |
| Condo/Townhouse Inventory | Approximately 13.2 months of supply |
The inventory picture is split. Single-family home supply at approximately 6.2 months is close to equilibrium (5 to 6 months is considered balanced). Condo and townhouse inventory at over 13 months reflects the significant headwinds facing that segment, particularly following new Florida legislation requiring reserve funding for older condominium buildings. Buyers in the single-family market face a reasonably balanced environment. Condo buyers have substantial leverage.
Migration into Florida continues. While the pace has moderated from pandemic highs, 27% of people who moved into Florida homes in 2024 came from another state, and 5% arrived from abroad. Canadian buyers led international purchasers, spending $1.9 billion on Florida properties in 2026, a 52% increase from the prior year.
What’s Driving Florida’s 2026 Market
Understanding why people continue to move to Florida despite higher prices and elevated mortgage rates is essential context for understanding where the market is headed. Several structural forces are at work.
Population Growth and Domestic Migration
Florida consistently ranks among the top destination states for domestic relocation. The cost of living comparison relative to the Northeast and Midwest remains compelling even after years of Florida price appreciation. A buyer selling a home in Connecticut, New York, New Jersey, or Illinois can often purchase a significantly larger home in Tampa Bay, Central Florida, or the Gulf Coast and still bank equity. This calculus has not fundamentally changed even as Florida prices have risen.
Job Market and Economic Base
Tampa Bay has grown its economic base substantially over the past decade, moving beyond tourism and financial services into technology, healthcare, and professional services. Major employers across Hillsborough, Pinellas, and Pasco counties create a steady pipeline of new residents who need housing. Florida’s lack of state income tax continues to attract business relocations and high-income earners.
Remote Work and Lifestyle Demand
Remote and hybrid work arrangements have shifted housing demand in ways that disproportionately benefit Florida. Buyers who no longer need to live within commuting distance of a northeastern or Midwestern urban core are choosing Florida for the weather, outdoor lifestyle, and relative value. This demand is less rate-sensitive than traditional relocation driven by local job changes, which is one reason Florida’s market has held up better than some comparable Sun Belt states.
Retirement and Second Home Demand
Florida remains the country’s preeminent retirement destination. Baby Boomers continuing to age into retirement represent a large cohort of buyers, many with substantial equity from prior home sales. This demographic is less rate-sensitive when they are buying with cash or large down payments. The Tampa Bay area, with its healthcare infrastructure, cultural amenities, and water access, draws retirees across a broad price spectrum.
Tampa Bay Metro Market Report 2026
The Tampa Bay metropolitan area encompasses Hillsborough, Pinellas, Pasco, and Polk counties at its core, with Manatee County to the south representing a significant adjacent market. Each county tells a somewhat different story in 2026.
Hillsborough County
Hillsborough County, home to Tampa and communities like Brandon, Valrico, Riverview, and Plant City, posted a median home price of approximately $408,000 in December 2025, up approximately 1.9% year-over-year. The county represents the largest and most diverse housing market in the region, with price ranges running from entry-level homes in eastern Hillsborough to luxury properties in South Tampa and Davis Islands. Active listings have grown but remain at levels that support relatively stable pricing. The Tampa city median reached $448,000 in January 2026, up 9.1%, driven in part by South Tampa and Westchase demand.
Pinellas County
Pinellas County includes St. Petersburg, Clearwater, Dunedin, Safety Harbor, and a range of beach communities. The county has seen more price pressure than Hillsborough, with average home prices declining year-over-year through 2025. The condo market in particular faces headwinds from reserve fund legislation affecting older Gulf Coast buildings. Single-family homes in St. Petersburg’s desirable neighborhoods maintain strong demand. Clearwater Beach condos present a buyer’s market for those comfortable with the regulatory complexities. The Pinellas market rewards buyers who understand neighborhood-level dynamics.
Pasco County
Pasco County, anchored by Wesley Chapel to the south and New Port Richey and Land O’ Lakes in the central and western areas, is one of Tampa Bay’s fastest-growing counties. Wesley Chapel in particular has seen explosive residential development and a premium commercial and retail buildout that has transformed the area’s desirability. Wesley Chapel median home prices were approximately $420,000 in December 2025, though data varies by source and time period. Pasco continues to attract buyers priced out of Hillsborough who want new construction and community amenities at a relative value.
Polk County
Polk County, centered on Lakeland and Winter Haven, offers some of the most affordable home prices in the broader Tampa Bay region. The median home price in Polk County was approximately $312,000 in January 2026, up a modest 0.3% year-over-year. Lakeland’s position along the I-4 corridor between Tampa and Orlando has made it an increasingly attractive option for buyers who work in either metro. The county’s affordability relative to Hillsborough and Pinellas continues to drive migration from both coasts.
Want the numbers for your specific neighborhood? Tell me your target area and price range – I will send you a custom market snapshot with real-time data.
Text Me Your AreaTampa Bay Neighborhood Price Breakdown
Tampa Bay is not a monolithic market. Prices vary enormously by neighborhood and submarket, and understanding the landscape is essential for buyers making location decisions and sellers understanding how their property compares.
| Area | Approximate Median Price (2025 Data) | Market Character |
|---|---|---|
| South Tampa / Hyde Park | $600,000 – $1M+ | Premium urban, limited inventory |
| Westchase / Carrollwood | $450,000 – $600,000 | Established suburbs, strong schools |
| Brandon | ~$374,000 | Affordable, high density, retail access |
| Valrico | ~$413,000 – $430,000 | Larger lots, top schools, family-focused |
| Riverview | ~$360,000 – $385,000 | New construction, growth corridor |
| FishHawk Ranch | ~$539,000 | Master-planned, resort amenities |
| Wesley Chapel | ~$420,000 | High growth, new construction, retail |
| St. Petersburg | ~$350,000 – $425,000 | Urban core, arts district, waterfront |
| Clearwater | ~$350,000 – $500,000 | Beach proximity, condo and single-family mix |
| Lakeland | ~$309,000 – $323,000 | Affordable, I-4 corridor growth |
| Bradenton | ~$335,000 | Gulf access, Manatee corridor |
These ranges represent general market conditions and can vary significantly based on specific neighborhood, lot characteristics, home condition, and whether new or resale construction is being measured. Barrett can provide a precision analysis for any specific submarket. Connect via the contact page or call (813) 733-7907.
Explore community-specific guides: Tampa | St. Petersburg | Clearwater | Brandon | Riverview | Valrico | Wesley Chapel | Lakeland | Bradenton
Florida Housing Market by County
Barrett Henry serves buyers and sellers across seven counties in the greater Tampa Bay region. Here is a current snapshot of each market.
Hillsborough County
Median home price approximately $408,000 (December 2025), up 1.9% year-over-year. The county includes Tampa, Brandon, Valrico, Riverview, Plant City, and South Shore communities. Single-family inventory is at near-balanced levels. The market is most competitive in South Tampa, FishHawk Ranch, and top school zones. More options and negotiating leverage exist in eastern Hillsborough and newer development corridors. See Valrico, Brandon, and Riverview for community-specific guides.
Pinellas County
Pinellas County has experienced more price softening than its Tampa Bay neighbors, largely due to condo market headwinds following Florida’s condominium reserve legislation. Single-family homes in St. Pete’s popular neighborhoods remain in demand. Beach communities offer opportunities for buyers willing to navigate insurance and reserve complexities. The county’s limited land availability creates a natural floor for well-located single-family properties. See the St. Petersburg and Clearwater guides for more detail.
Pasco County
Pasco County is one of Florida’s fastest-growing counties and a market with ongoing new construction activity. Wesley Chapel, Land O’ Lakes, Zephyrhills, and New Port Richey are the primary markets. Wesley Chapel has effectively transformed from a suburban outpost to a full-featured community with premium retail, dining, and healthcare. Prices in Wesley Chapel are approaching Hillsborough County levels. More affordable options exist in central and western Pasco. See Wesley Chapel and Land O’ Lakes for community guides.
Hernando County
Hernando County, home to Brooksville and Spring Hill, offers some of the most affordable housing in the greater Tampa Bay region. The median home price in Hernando County was approximately $295,000 in early 2026, making it an attractive option for buyers priced out of Hillsborough and Pasco. The Suncoast Parkway provides direct highway access to Tampa, and the county is seeing increased interest from remote workers and retirees drawn to its combination of rural character, Weeki Wachee Springs, and proximity to the Gulf Coast. Hernando represents a value opportunity for buyers willing to trade a longer commute for significantly more house and land.
Polk County
Polk County, centered on Lakeland and Winter Haven, offers the most affordable entry point of Barrett’s core markets. The median home price in Polk County was approximately $312,000 in January 2026. The I-4 corridor position creates economic linkage to both Tampa and Orlando. Lakeland in particular is growing its employment base and attracting buyers from both metro areas. See the Lakeland community guide for more.
Manatee County
Manatee County, home to Bradenton and the northern gateway to Sarasota, posted a median home price of approximately $415,000 in September 2025, down modestly year-over-year. The county includes a mix of beach and inland communities, with Lakewood Ranch straddling the Manatee and Sarasota county line representing one of the state’s most active master-planned development corridors. Bradenton offers Gulf-accessible living at prices below many comparable coastal markets. See the Bradenton guide for community details.
Citrus County
Citrus County, home to Crystal River and Inverness, represents the most affordable and nature-centric of Barrett’s core markets. The median home sold price in Citrus County was approximately $286,805 in April 2025, up slightly year-over-year. The county is increasingly attractive to retirees and remote workers drawn to its natural springs, Gulf access, and significant affordability advantage over the Tampa Bay core. See the Crystal River and Inverness guides for more information.
Interest Rates and Affordability in 2026
Mortgage rates remain the single biggest variable shaping buyer behavior in 2026. After peaking above 7.5% in late 2023 and averaging approximately 6.7% through much of 2025, the 30-year fixed rate has moved toward more manageable territory. As of mid-February 2026, the national 30-year fixed rate average was approximately 6.01%, with some Florida lenders offering rates in the high 5% range for well-qualified borrowers.
Forecasts for 2026 suggest the 30-year fixed rate is likely to average in the 6% to 6.5% range for much of the year. Realtor.com forecasts a 6.3% average for 2026, while Florida Realtors’ economists suggest a cautiously optimistic case of approximately 6% for much of the year. If rates ease into the high 5% range, a significant wave of pent-up buyer demand could accelerate market activity and put modest upward pressure on prices.
The Affordability Math in Florida
At a 6% mortgage rate on a $340,000 loan (representing a 10% down payment on approximately $378,000), the principal and interest payment runs approximately $2,040 per month. Adding Florida property taxes, homeowner’s insurance (which has risen sharply in recent years), and any HOA fees, total monthly housing costs can reach $2,800 to $3,500 or more depending on location and property type.
Florida home insurance costs have moderated somewhat following legislative reforms, but remain elevated compared to pre-2020 levels. Buyers in coastal Pinellas, Manatee, and Gulf-adjacent communities should budget carefully for insurance and factor it into their purchase decision. This is a meaningful affordability consideration that often surprises buyers relocating from inland markets where insurance costs are a fraction of Florida’s.
Forecasts suggest that the typical mortgage payment’s share of income could fall below 30% in 2026 for the first time since 2022, as rates ease and income growth continues. This would represent a meaningful affordability improvement and is expected to bring more buyer demand into the market through the year.
Understand what to budget for a purchase with the Florida closing costs guide.
Florida New Construction Market 2026
Florida and Tampa Bay in particular remain among the most active new construction markets in the country. The Tampa region led all Florida markets in total residential permit volume for January 2026, accounting for approximately 31.6% of all permits reviewed statewide. That is a meaningful indication of the region’s ongoing development pipeline and builder confidence in Tampa Bay’s long-term demand fundamentals.
Builder Activity and Incentives
The new construction environment in 2026 is different from 2021 and 2022 when builders were selling homes before they were built and buyers were competing in lotteries. Today, builders are offering mortgage rate buydowns, closing cost contributions, and design upgrades as incentives to move inventory. For buyers, this creates genuine opportunity to purchase new construction with significant financial benefits negotiated into the deal.
Active builder markets in the Tampa Bay area include Wesley Chapel and Zephyrhills in Pasco County, the South Shore corridor in Hillsborough, Manatee County’s eastern growth areas, and Polk County along the I-4 corridor. Virginia-based Stanley Martin Homes announced plans for approximately 500 new townhomes and single-family homes across Hillsborough and Pasco counties, illustrating continued builder interest in the region.
New Construction vs. Resale
The choice between new construction and resale involves trade-offs. New construction typically offers builder warranties, energy efficiency, and modern layouts, but can come with HOA and CDD fees that meaningfully increase monthly carrying costs. Resale homes in established neighborhoods often offer larger lots, mature landscaping, and no CDD assessments. In a market where builders are offering significant incentives, new construction deserves serious consideration for buyers who are flexible on location. Barrett can help evaluate the full cost comparison for any specific new construction community. Visit the Buyer Resources page to get started.
Florida Investment Property Market 2026
Florida’s investment property market in 2026 is more nuanced than the straightforward buy-and-rent model that worked so cleanly during 2019 through 2022. Higher purchase prices, elevated mortgage rates, and significant insurance cost increases have compressed returns for investors entering at today’s prices. That said, specific segments and markets continue to offer viable investment cases.
Long-Term Rental Demand
Tampa ended 2025 as the fourth hottest rental market in Florida, behind Miami, Broward County, and Orlando. Long-term rental demand across Tampa Bay is supported by continued population growth and a housing affordability gap that keeps a significant share of the population in rental status. Multifamily vacancy in Tampa has risen to approximately 10.3%, reflecting a more competitive leasing environment as new apartment deliveries have entered the market. Single-family rentals continue to outperform the apartment sector because they attract longer-term, higher-income tenants.
Short-Term Rental Market
Tampa Bay’s short-term rental market benefits from the region’s year-round tourism, major events, and sports calendar. Average short-term rental revenue for Tampa Bay properties is approximately $52,700 annually based on available market data, with an average daily rate around $190 and occupancy rates near 57%. Tampa maintains relatively limited regulatory restrictions compared to some Florida markets, though standard licensing and zoning requirements apply. Markets with higher short-term rental income potential include beach-adjacent Pinellas County communities, downtown Tampa, and areas near major event venues.
Investor Cautions for 2026
The most important caution for 2026 investors is underwriting insurance costs carefully. Florida homeowner and landlord insurance premiums have increased substantially, and the gap between theoretical returns and actual net operating income has widened for investors who rely on pre-2022 insurance benchmarks. Before making any investment decision, obtain current insurance quotes and factor them into your pro forma. Additionally, buyers of condominium investment properties must carefully review HOA reserve fund requirements, particularly for buildings over 25 years old.
Learn more about investing in Tampa Bay real estate on the Investment Properties page.
Florida Market Forecast: What to Expect in 2026
Making real estate forecasts is inherently uncertain, and 2026 introduces additional variables including Federal Reserve rate decisions, the broader economy, and ongoing insurance market dynamics specific to Florida. With those caveats, here is a grounded assessment based on current data and expert consensus.
Prices: Broadly Stable with Divergence by Segment
Florida Realtors economists and major national forecasters broadly agree that Florida home prices will remain largely stable in 2026, with modest moves in either direction depending on rate movement. Zillow projects approximately 1.3% appreciation in the Tampa-St. Pete metro from December 2025 to December 2026. Realtor.com has projected prices could fall another 3.6% from current levels. The spread between these forecasts reflects genuine uncertainty, not analytical disagreement.
The single-family market and condo market are likely to diverge. Single-family homes, particularly in strong school zones and established neighborhoods, should hold value reasonably well. The condo market, particularly older buildings in coastal areas, faces continued pressure from reserve fund legislation and insurance costs. Buyers considering condo purchases in 2026 should approach those decisions with particular care and professional guidance.
Sales Volume: Improving
The January 2026 data showing year-over-year gains in closed sales, pending contracts, and new listings simultaneously is a positive signal. It suggests the market is thawing after a period of rate-driven lock-in. As rates ease through 2026, the expectation is for continued improvement in transaction volume. Sellers who have been reluctant to list and give up low-rate mortgages will face ongoing decision points as life circumstances (job changes, family needs, retirement) compel moves regardless of rate environment.
The Rate Unlock Scenario
One of the most significant wildcards for 2026 is the potential rate unlock effect. Approximately 60% of existing Florida mortgage holders have rates below 4%. Many of these homeowners are reluctant to sell because doing so means trading into a 6% mortgage. If rates ease meaningfully toward 5.5%, a significant number of these homeowners may decide the trade-off becomes acceptable, releasing more inventory and enabling more transaction volume. This scenario would benefit buyers (more choices) while adding supply that would moderate any price acceleration.
Insurance: The Florida-Specific Risk Factor
No Florida market forecast is complete without addressing insurance. Florida’s property insurance market has shown some signs of improvement following 2022 and 2023 legislative reforms, with several carriers re-entering the market. But costs remain elevated compared to national averages and pre-2020 Florida levels. Buyers, sellers, and investors must factor insurance into every purchase decision. In some Gulf Coast markets, insurance costs effectively make certain properties less affordable than their purchase price alone would suggest.
Best Areas to Buy in Tampa Bay in 2026
Every buyer’s “best area” depends on their budget, lifestyle preferences, commute requirements, and investment horizon. That said, a few areas stand out as particularly compelling for different buyer profiles in 2026.
For Families Prioritizing Schools
Valrico and FishHawk Ranch in Hillsborough County consistently rank at the top for school performance. Both offer strong communities with amenities and a range of price points. FishHawk Ranch commands a price premium over Valrico, making Valrico the better value play for families who want the school system without the highest price tier. Wesley Chapel in Pasco County is another strong school market with new construction options.
For Value-Oriented Buyers
Riverview, Brandon, and Lakeland offer the most accessible price points in the core Tampa Bay market. Riverview in particular has a large inventory of relatively newer homes and significant builder activity that gives buyers options. Lakeland’s I-4 position makes it viable for buyers willing to commute to either Tampa or Orlando.
For Lifestyle and Nature
Crystal River and Inverness in Citrus County offer a completely different lifestyle proposition: natural springs, Gulf-adjacent living, and significantly lower prices than the Tampa core. For remote workers or retirees, Citrus County’s affordability and natural amenities make it worth serious consideration. Land O’ Lakes in Pasco County bridges nature and suburban convenience.
For Urban Living
St. Petersburg‘s arts district and downtown waterfront continue to attract buyers seeking an urban walkable lifestyle. The city has developed a genuine arts, dining, and cultural scene that rivals larger metro cores. South Tampa, Hyde Park, and Channelside offer similar urban energy with direct access to Tampa Bay’s professional sports and entertainment venues.
Ready to explore any of these markets? Visit the Moving to Tampa Bay guide or connect with Barrett directly at (813) 733-7907.
Relocating to Tampa Bay? I help out-of-state buyers every week. Tell me your budget, lifestyle priorities, and work situation – I will narrow it to 2-3 neighborhoods that actually fit.
Email BarrettFrequently Asked Questions: Florida Housing Market 2026
What is the median home price in Florida in 2026?
According to Florida Realtors data released in February 2026, the statewide median sales price for single-family existing homes was $405,000 in January 2026, down 1.2% from January 2025. The condo and townhouse median was $305,000, down 2.4%. These figures represent closed transaction data from across all 67 Florida counties.
Is Florida a buyer’s or seller’s market in 2026?
Florida’s single-family market is broadly balanced, with approximately 6.2 months of inventory as of early 2026. This sits near the equilibrium threshold of 5 to 6 months. The condo market is clearly a buyer’s market with approximately 13.2 months of supply. Conditions vary significantly by county and neighborhood, with South Tampa and strong school zones remaining more competitive than suburban growth corridors.
Will Florida home prices go up or down in 2026?
Most forecasts point to broadly stable prices with modest moves in either direction depending on mortgage rate trajectory. Zillow projects approximately 1.3% appreciation in Tampa-St. Pete through December 2026, while some forecasters expect slight further declines before stabilization. The honest answer is that significant appreciation and significant decline are both unlikely. The range of credible outcomes is roughly negative 3% to positive 3% for most Florida single-family markets.
What are current mortgage rates in Florida in 2026?
As of mid-February 2026, the national 30-year fixed rate average was approximately 6.01%, and some Florida lenders were advertising rates in the high 5% range for well-qualified borrowers. Forecasts for the full year 2026 project the 30-year fixed to average between 6% and 6.5%, with some optimistic scenarios placing rates in the high 5% range by year end if inflation continues to moderate.
What counties does Barrett Henry serve in Florida?
Barrett Henry, Broker Associate at RE/MAX Collective, serves buyers and sellers throughout Hillsborough, Pinellas, Pasco, Hernando, Polk, Manatee, and Citrus counties. His primary focus is the greater Tampa Bay area including Tampa, Brandon, Valrico, Riverview, FishHawk Ranch, St. Petersburg, Clearwater, Wesley Chapel, Land O’ Lakes, Lakeland, Bradenton, Crystal River, and Inverness. Contact Barrett at (813) 733-7907.
Is Tampa Bay a good place to invest in real estate in 2026?
Tampa Bay remains a viable long-term real estate investment market based on population growth, job market diversification, and strong rental demand. However, investors entering at 2026 prices and rates face tighter margins than investors who purchased in 2019 through 2021. Careful underwriting of insurance costs, vacancy, and financing is essential. The single-family rental segment and carefully selected short-term rental properties in tourist-adjacent areas offer the most defensible investment cases. See the Investment Properties page for more guidance.
How does Tampa Bay compare to other Florida markets in 2026?
Tampa Bay offers a balance of price, lifestyle, and economic fundamentals that compares favorably to other major Florida metros. Miami offers higher luxury demand but with significantly higher price floors. Orlando competes with Tampa Bay on affordability but with more theme park and tourism concentration. Jacksonville offers lower prices but with less coastal lifestyle. Sarasota and Naples offer Gulf lifestyle at premium prices. Tampa Bay’s combination of urban amenity, economic diversity, price range, and market accessibility makes it one of Florida’s most balanced metros for a wide range of buyer profiles.
What is happening with Florida condo prices in 2026?
Florida’s condo market is facing meaningful headwinds in 2026. New legislation requiring older condominium buildings to maintain adequate reserve funds has led to significant special assessment notices and monthly HOA fee increases, particularly in coastal buildings over 25 years old. This has dampened buyer demand and increased inventory in certain markets. Condo buyers in 2026 should conduct thorough due diligence on any building’s reserve fund status and budget carefully for both current and anticipated future assessments. Newer condo buildings with strong reserves are less affected.
Is 2026 a good time to sell a home in Florida?
Selling in 2026 is viable with the right approach. The market is not as seller-favorable as 2021 or 2022, but correctly priced, well-presented homes continue to sell. The spring market (March through May) historically sees the highest buyer activity and best sale prices. Sellers who need to move should not wait indefinitely hoping for significantly better conditions. Sellers with flexibility who want to maximize their outcome should price based on current comps, not peak market comparables from 2022. Get a free home valuation at /home-valuation/.
What should buyers know about Florida property insurance in 2026?
Florida property insurance costs have risen dramatically compared to pre-2020 levels. While legislative reforms have stabilized the market somewhat and some carriers have re-entered, premiums remain elevated. Buyers should obtain insurance quotes before making an offer to ensure the total monthly cost (mortgage, taxes, insurance, HOA) fits their budget. Coastal and flood-zone properties require additional coverage. In some markets, particularly older Pinellas County coastal communities, insurance costs can rival the mortgage payment itself.
How do I get started buying or selling in Tampa Bay?
Contact Barrett Henry, Broker Associate at RE/MAX Collective, at (813) 733-7907, [email protected], or through the contact page. Barrett provides free home valuations, buyer consultations, and personalized market analysis across all of his service counties. There is no cost or obligation for an initial consultation.
