Market Overview
Home Prices in Oldsmar, FL
The median home value in Oldsmar, FL is $365,109 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5% compared to a year ago and down 6.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oldsmar are priced11% below average. Oldsmar is part of the Tampa-St. Petersburg-Clearwater, FL metro area.
Over the past five years, Oldsmar home values have risen by approximately13.3%, reflecting steady appreciation in this market.
Price History
Oldsmar Home Price Trend
City Comparison
Oldsmar vs. National Median
At $365,109, homes in Oldsmar cost 11% below the national median of $410,000. This makes Oldsmar a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Oldsmar?
20% Down Payment
$73,022
on $365,109
Monthly P&I
$1,904/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,418/mo
incl. taxes & insurance
Income Needed
$96,720
gross annual (30% rule)
10% Down Option
$36,511
+ PMI applies
Loan Amount (20% dn)
$292,087
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Oldsmar, FL?
The median home value in Oldsmar is $365,109 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5% year-over-year.
How much have home prices changed in Oldsmar?
Over the past year, home values in Oldsmar have decreased by 5%. Over five years, prices have risen approximately 13.3%.
How much do I need to earn to buy a home in Oldsmar?
To comfortably afford the median home price of $365,109 with a 20% down payment ($73,022) at today's rates (6.8%), you'd need a gross annual income of approximately $96,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Oldsmar compare to the national average home price?
The national median home value is approximately $410,000. At $365,109, homes in Oldsmar are 11% below the national average.
What metro area is Oldsmar part of?
Oldsmar is part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.