Oldsmar, Florida.
Typical home $357,907 (-2.2% in a year), asking rent $2,015 (-0.5%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$908 (+93%) since Jan 2020.
- 1 year
- Down $8,171 -2%
- $366,078$357,907 since Sep 2025
- 5 years
- Up $24,970 +7%
- $332,938$357,907 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Oldsmar$1,879
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 48 years.
Typical home values in Oldsmar, FL fell 2.2% over the past year — slower than the nation's +1.2%.
Asking rents in Oldsmar, FL fell 0.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Oldsmar runs $455/mo more than renting one. The gap peaked at $889 in Oct 2023.
That is $2,470 a month against $2,015 rent: a $1,879 mortgage payment, plus $208 property tax and $383 insurance & upkeep.
Owning vs renting — Oldsmar
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,470
- Renting$2,015
- Mortgage only$1,879
Property tax · $208/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for Pinellas County, FL
Insurance & upkeep · $383/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Oldsmar, Pinellas County, Florida
Oldsmar is a city of 14,898 people in Pinellas County. Half its households earn more than $88,333 a year and half less, against $72,646 across Pinellas County; 9% of its people live below the poverty line. 77% of its homes are lived in by their owners and 23% are rented. Unemployment in Pinellas County was 4.3% in August 2026, and the county had 1.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Oldsmar is a small city in Pinellas County where most homes are lived in by their owners, and incomes run higher than across the county as a whole. Residents are somewhat older than the typical American, and a good share of adults have a four-year degree. Winters are mild, with a January that stays cool rather than cold and almost no snow, while summers turn hot, peaking in August, and the year brings plenty of rain.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in shops, and in banks, insurance and property. Among the largest workplaces in Oldsmar are Pinnacle Home Care Home Office, Walmart and GenerX Generators. Unemployment across Pinellas County has edged up over the past year, and the county has fewer jobs than it did a year earlier, while a fair number of Oldsmar residents work from home.
Things to do. The Safety Harbor Site, an archaeological site, lies in or beside town. A short drive away are Caladesi Island State Park and Honeymoon Island State Park, both protected areas on the Gulf coast. A longer drive brings you to the Salvador Dalí Museum.
Report a mistake
- 5,586households
- 37%of adults have a degree
- 9%below the poverty line
- 25 mintypical commute
- 23%work from home
What residents work in
Employed residents by industry, from the Census survey. Pinellas County had 441,425 jobs in 2025, 1.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 69° and lows near 51°; warmest in August, with highs near 91° and lows near 76°. About 54 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Tarpon Spgs Sewage Plt weather station, 9 miles away (NOAA).
Largest employers in Oldsmar
- Nielsen Media Research370
- Walmart367
- City of Oldsmar165
- Hood Containers (2)145
- S&S Electrical Company (1)116
- MI Metals103
- Knight Dental Group102
- Osgood Industries99
From the City of Oldsmar’s annual financial report for 2025, its schedule of principal employers, as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- Coastal floodingRelatively high
- HurricanesRelatively high
- LightningRelatively high
- Cold wavesRelatively moderate
- Tornadoesrelatively high in parts of OldsmarRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oldsmar’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Pinellas County and the Tampa-St. Petersburg-Clearwater, FL metro.
Oldsmar home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oldsmar$357,907
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Oldsmar listings, and the typical home goes pending in 50 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Oldsmar29.86%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Oldsmar50
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oldsmar178
New listings per month
Sellers arriving at the market.
- Oldsmar38
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Oldsmar$359,548
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Oldsmar97.12%
Zip codes with a Oldsmar address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oldsmar — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.