Tampa Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Tampa, Florida (License #LO135517). Hillsborough County (Tampa) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or FHA loans.
Tampa is one of Florida’s fastest-growing metros, with steady in-migration fueling first-time buyer and move-up demand across the Gulf Coast region. Conventional and FHA financing lead the way.
Today's Tampa Mortgage Rates
Live best-execution Florida rates from our lender network — as of August 10, 2026 at 8:13 AM PDT.
Conventional 30-Yr Fixed
6.125%
APR 6.227%
FHA 30-Yr Fixed
5.625%
APR 5.758%
VA 30-Yr Fixed
5.625%
APR 5.783%
DSCR Investor 30-Yr
6.875%
APR 6.993%
Rates subject to change. See Rate Assumptions.
Tampa Home Loan Facts
Median Home Price
~$400,000
Curated Tampa estimate.
2026 Conforming Limit
$832,750
Hillsborough County baseline reference.
County
Hillsborough County
Loan limits are set at the county level.
Loan Limits & Market
Hillsborough County (Tampa) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or FHA loans.
From South Tampa and Hyde Park to Brandon, Riverview, and St. Petersburg, the region blends affordability with strong job growth. First-time buyers make heavy use of FHA and down payment assistance programs.
Tampa Highlights
- Baseline conforming limit of $832,750 (2026)
- One of Florida’s fastest-growing metros
- Strong first-time buyer demand
- FHA and down payment assistance widely used
Property Taxes in Florida
Florida has no state income tax. Homeowners who claim a primary residence may qualify for the Homestead Exemption, which reduces taxable value and caps annual assessment increases.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Florida
Florida Housing HFA Preferred
Conventional first mortgage with reduced mortgage insurance for eligible buyers.
Florida Assist (FL Assist)
Down payment and closing-cost assistance as a deferred second mortgage.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Tampa, Florida
Your Tampa loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Florida mortgage license (#LO135517). See our full licensing & disclosures for details.
Meet Ivan HendrenTampa Mortgage FAQ
What is the conforming loan limit in Tampa for 2026?
Hillsborough County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
Is Tampa good for first-time buyers?
Yes. Tampa combines relative affordability with strong job growth, and first-time buyers frequently pair FHA financing with Florida down payment assistance programs.
Other Florida Markets
All of FloridaMiami
Median ~$640,000
High-demand metro with significant jumbo and second-home activity.
Orlando
Median ~$390,000
Central Florida hub with heavy relocation and investment purchases.
Jacksonville
Median ~$355,000
Affordable market with strong VA demand near naval bases.
Fort Lauderdale
Median ~$450,000
South Florida market with primary-home, second-home, and investor demand.
West Palm Beach
Median ~$470,000
Palm Beach County market with strong relocation and second-home demand.
Fort Myers
Median ~$385,000
Southwest Florida market popular with retirees, second-home, and investor buyers.
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