Is It Cheaper to Live in Tampa or St. Petersburg? February 2025 Update
Tampa and St. Petersburg are two of Florida’s most sought-after cities, each offering unique lifestyles, vibrant communities, and access to stunning beaches. For those looking to relocate, affordability is often a major deciding factor. So, is it cheaper to live in Tampa or St. Petersburg? As a seasoned Realtor in St. Petersburg, FL, I’ll break down the costs of housing, transportation, groceries, utilities, and entertainment to help you determine which city best fits your budget and lifestyle.
Housing Costs: A Closer Look
Housing is typically the most significant expense for any individual or family. While both cities offer diverse housing options, Tampa generally has slightly higher housing costs than St. Petersburg.
“Home prices have been rising steadily in both cities, but St. Petersburg still provides a more affordable entry point into homeownership compared to Tampa,” says Aaron Hunt, Broker at Avalon Group Realty.
Home Prices & Rent Comparisons
- Home Prices: The median home price in Tampa is now around $478,000, while in St. Petersburg, it’s approximately $431,000.
- Renting: A one-bedroom apartment in Tampa averages $1,651 per month, whereas in St. Petersburg, it’s about $1,789 per month.
- Neighborhood Variations: In upscale areas like Hyde Park (Tampa) or Old Northeast (St. Pete), expect much higher prices.
“If you’re looking for an affordable home near downtown, St. Pete’s neighborhoods like Kenwood and Coquina Key offer great options with a lower price tag than similar areas in Tampa,” explains Yvette Kim, Realtor with Avalon Group Realty.
Transportation Costs: Which City Saves You More?
Transportation expenses also play a role in affordability. Since both cities have limited public transit, most residents rely on personal vehicles.
Gas, Insurance & Public Transit
- Gas Prices: As of 2025, Tampa’s average gas price is $3.44 per gallon, while St. Petersburg’s is $3.42 per gallon.
- Public Transit: A monthly HART bus pass in Tampa costs $75, while a PSTA pass in St. Pete is $78.
- Car Insurance: Slightly lower in St. Petersburg than in Tampa, due to fewer high-traffic areas and lower accident rates.
Pam Amante, an Avalon Group Realtor, notes: “If you work in Tampa but live in St. Pete, the daily commute over the bridge can add costs in tolls and time. However, if your job is flexible, you might find St. Pete’s transportation expenses more manageable.”
Grocery Costs: Similar but Slightly Cheaper in St. Pete
Grocery prices in Tampa and St. Petersburg are comparable, with only minor differences depending on the store and product.
- Milk: A gallon costs $4.10 in Tampa and $4.05 in St. Petersburg.
- Bread: A loaf costs $3.00 in Tampa and $2.90 in St. Pete.
For budget-conscious shoppers, St. Petersburg tends to have better deals at local markets, while Tampa has more high-end grocery stores, which may drive costs up.
Utilities: Lower in St. Petersburg
Utility expenses can significantly impact your monthly budget. On average, St. Petersburg has lower utility costs than Tampa.
- Electricity: The average bill for a 915 sq. ft. apartment in Tampa is $175 per month, compared to $165 per month in St. Petersburg.
- Water and Sewer: Costs are 8% lower in St. Pete than in Tampa.
Nora Sturgill, an Avalon Group Realtor, advises: “Energy-efficient homes are becoming more popular in both cities, but St. Pete’s milder coastal breezes can help reduce cooling costs, making it a more affordable option.”
Entertainment & Dining: Which City Offers More for Less?
Entertainment and dining out are key components of quality of life. Both cities offer a vibrant scene, but affordability varies.
Dining Costs
- Casual Meal: In Tampa, it averages $20 per person, compared to $18 in St. Petersburg.
- Three-Course Meal for Two: In Tampa, it’s $70, while in St. Pete, it’s $60.
Attractions & Nightlife
- Tampa: Home to major sports teams like the Buccaneers (NFL) and Lightning (NHL), with ticket prices starting at $55.
- St. Pete: Boasts world-class museums and free beach access, with event tickets averaging $35-$45.
“St. Pete has a more laid-back, artsy vibe, and there are tons of free or low-cost events,” says Aaron Hunt. “If you love live music, art walks, and festivals, you’ll get more bang for your buck here.”
Healthcare Costs: A Hidden Expense
Healthcare is an essential factor to consider when evaluating living costs.
- Tampa: Has a greater number of hospitals and specialized care facilities, leading to slightly higher medical costs.
- St. Petersburg: Offers more affordable healthcare options, particularly for retirees.
- Doctor Visit: Average cost is $110 in Tampa, $95 in St. Pete.
Conclusion: Is It Cheaper to Live in Tampa or St. Petersburg?
So, is it cheaper to live in Tampa or St. Petersburg? While Tampa has higher salaries and more job opportunities, St. Pete offers more affordable housing, lower utilities, and slightly cheaper groceries and entertainment.
Ultimately, the best choice depends on your lifestyle preferences. If you want a bustling city with a fast-paced job market, Tampa may be the better option. However, if you prefer a relaxed, beachside atmosphere with a slightly lower cost of living, St. Petersburg could be your perfect home.
FAQs
1. What are the most affordable neighborhoods in Tampa and St. Petersburg?
- In Tampa, look at Seminole Heights, Sulphur Springs, and East Tampa.
- In St. Pete, check out Kenwood, Gulfport, and Shore Acres.
2. What are the major Zip Codes in Tampa for affordable housing?
- Some affordable Zip Codes in Tampa include 33610, 33612, and 33619.
3. How do job opportunities compare between Tampa and St. Pete?
- Tampa has a stronger corporate job market, while St. Pete offers more opportunities in tourism, hospitality, and the arts.
4. Which city has better public transportation?
- Tampa has a larger transit system, but St. Pete’s smaller size makes it easier to bike or walk.
5. What are some of the best Zip Codes in Tampa for young professionals?
- Popular Zip Codes in Tampa for young professionals include 33606 (Hyde Park), 33602 (Downtown), and 33607 (Westshore).
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June 2023
Is It Cheaper to Live in Tampa or St. Petersburg? Tampa and St. Petersburg are two of the most popular cities in Florida, known for their vibrant culture, stunning beaches, and warm climate. For those considering a move to the Sunshine State, the cost of living is an essential factor to take into account. I, a Realtor in St. Petersburg FL, will take a closer look at whether it’s cheaper to live in Tampa or St. Petersburg by comparing various aspects of living expenses, such as housing, transportation, groceries, utilities, and entertainment. This will help you make an informed decision about which city is best suited for your budget and lifestyle.
Is It Cheaper to Live in Tampa or St. Petersburg? Housing
One of the most significant expenses for any individual or family is housing. Tampa and St. Petersburg both have a variety of housing options, ranging from apartments and condos to single-family homes. On average, Tampa has slightly higher housing costs than St. Petersburg.
According to Zillow’s latest data, the median home value in Tampa is around $328,000, while in St. Petersburg, it’s approximately $285,000. Renting is also generally more expensive in Tampa, with the average rent for a one-bedroom apartment costing around $1,300 per month, compared to $1,200 in St. Petersburg.
However, these figures vary greatly depending on the neighborhood and type of housing you choose. In more upscale neighborhoods, such as Tampa’s Hyde Park or St. Petersburg’s Old Northeast, housing costs can be significantly higher. Conversely, more affordable neighborhoods, like Tampa’s Seminole Heights or St. Petersburg’s Kenwood, offer lower housing expenses.
Is It Cheaper to Live in Tampa or St. Petersburg? Transportation
Transportation costs are another critical factor in determining the cost of living in a city. Both Tampa and St. Petersburg have public transportation systems, but they are limited in comparison to larger metropolitan areas. As a result, many residents rely on personal vehicles to get around.
Gas prices in both cities are generally similar, with Tampa having a slight edge in affordability. According to GasBuddy, the average price of gas in Tampa is $2.82 per gallon, while in St. Petersburg, it’s $2.85.
If you prefer public transportation, a monthly pass for the HART bus system in Tampa will cost you around $65, while a monthly pass for the PSTA bus system in St. Petersburg is $70. While these costs are not drastically different, Tampa’s slightly lower transportation expenses may make it more affordable for some residents.
Is It Cheaper to Live in Tampa or St. Petersburg? Groceries
Grocery costs are an essential aspect of the cost of living, as they tend to be a regular expense for most people. On average, Tampa and St. Petersburg have similar grocery prices, with only slight variations depending on the specific store or product. According to Numbeo, the average cost of a gallon of milk is $3.10 in Tampa and $3.12 in St. Petersburg, while a loaf of bread is $2.40 in Tampa and $2.42 in St. Petersburg.
However, it’s important to note that prices can vary depending on where you shop. Some grocery chains, like Publix, may be more expensive than discount stores like Aldi or Walmart. To save on groceries, consider shopping at multiple stores to take advantage of sales and discounts.
Is It Cheaper to Live in Tampa or St. Petersburg? Utilities
Utility costs, including electricity, water, and sewer services, are another factor to consider when comparing the cost of living in Tampa and St. Petersburg. On average, utility costs in Tampa
are slightly higher than those in St. Petersburg. According to Numbeo, the average monthly cost of basic utilities for a 915 sq ft apartment in Tampa is around $155, while in St. Petersburg, it’s approximately $142.
These costs can vary depending on factors such as the age and efficiency of your home’s appliances and insulation. To save on utility expenses, consider investing in energy-efficient appliances and implementing energy-saving measures like sealing drafts and using LED light bulbs.
Is It Cheaper to Live in Tampa or St. Petersburg? Entertainment and Dining Out
Both Tampa and St. Petersburg offer a wide range of entertainment options and dining establishments. While costs for these activities can vary greatly depending on personal preferences, the average prices for dining out and entertainment are generally similar in both cities.
According to Numbeo, the average cost of a meal at an inexpensive restaurant is $15 in both Tampa and St. Petersburg. A three-course meal for two people at a mid-range restaurant averages around $50 in Tampa and $48 in St. Petersburg.
When it comes to entertainment, both cities offer a variety of options for different budgets. Tampa has a more extensive selection of professional sports teams, including the Tampa Bay Buccaneers (NFL), Tampa Bay Lightning (NHL), and Tampa Bay Rays (MLB). St. Petersburg, on the other hand, is known for its thriving arts scene, with numerous galleries, museums, and theaters.
Ticket prices for events and attractions can vary, but on average, they are comparable in both cities. For example, a movie ticket costs around $12 in Tampa and $11 in St. Petersburg, while a ticket to a Tampa Bay Rays game ranges from $15 to $35, depending on the seating.
Is It Cheaper to Live in Tampa or St. Petersburg? Conclusion
When comparing the cost of living in Tampa and St. Petersburg, it’s essential to consider your personal preferences and lifestyle. While Tampa may have slightly higher housing and utility costs, its transportation expenses are marginally lower than those in St. Petersburg. Grocery prices and entertainment costs are generally similar in both cities.
Ultimately, the decision of whether to live in Tampa or St. Petersburg will depend on your individual priorities and budget. It’s crucial to visit both cities and explore different neighborhoods to get a feel for which one is the best fit for you. By doing thorough research and weighing the pros and cons of each city, you can make an informed decision about which location offers the most affordable and enjoyable living experience for you and your family.
If you are looking to make Tampa or St Petersburg FL, it is important to find a reputable Realtor in St. Petersburg FL to help you find the perfect home. Call 727-262-7920 or visit our website.
