Tampa Property Tax & HOA Fees in 2025: Costs, Inclusions & Planning Tips

By Thomas Greer | Published: June 2, 2025

Part of the Tampa, FL series

What You’ll Pay in Property Taxes in Tampa

As a homeowner in Tampa, Florida, it’s important to understand the property tax rates you can expect to pay. In 2025, the typical property tax rate in Tampa is around 0.9%. This means that for a home valued at $300,000, you would owe approximately $2,700 in property taxes annually.

While this rate is slightly lower than the national average, it’s important to factor in property taxes when budgeting for homeownership costs. Keep in mind that property tax rates can vary depending on the specific location and value of your home within the Tampa metro area.

In similar cities, property tax rates often range from 0.6%–1.2% annually. The typical property tax rate in Tampa is around 0.9%, which falls in the middle of this range. This rate helps fund essential city services, schools, and infrastructure.

How HOA Fees Work in Tampa

Two neighbors wave while doing yard work outside their suburban homes in Tampa, FL — In Tampa’s friendly suburbs, residents often enjoy well-maintained lawns and amenities covered by reasonable monthly HOA fees.

In addition to property taxes, many Tampa neighborhoods have Homeowners Associations (HOAs) that charge monthly fees. These fees cover the costs of maintaining common areas and providing amenities for residents.

Common HOA inclusions in Tampa are:

Trash and recycling services
Landscaping and lawn care for common areas
Community pool and fitness center access
Exterior building maintenance
Security and gated entry

The specific amenities and services covered by HOA fees can vary widely between neighborhoods. It’s important to carefully review the HOA agreement and budget before purchasing a home to understand what’s included and any rules or restrictions.

Typical Monthly HOA Costs

In Tampa, typical HOA fees range from $70–$200 per month. However, fees can be significantly higher in luxury developments or those with extensive amenities. Here’s a comparison of common HOA setups:

Neighborhood Type	Typical Monthly HOA Fee	Amenities & Services
Low-fee neighborhood	$50-$80	Trash service, basic landscaping
Average suburban HOA	$100-$175	Trash, landscaping, community pool, gym
Luxury/amenity-heavy development	$250-$500+	Extensive amenities, concierge, security
Example Monthly Cost: $295k home with 0.8% property tax + $150 HOA	≈ $345/month	🏆 Winner for balance of cost & amenities

As the table shows, the total monthly cost of property taxes and HOA fees can add up. For a $295,000 home with a 0.8% tax rate and $150 monthly HOA, the combined cost would be around $345 per month. This scenario balances reasonable fees with a good range of amenities, making it a cost-effective choice for many Tampa homeowners.

Hidden or Seasonal Fees to Expect

Beyond regular property taxes and HOA dues, Tampa homeowners should be aware of potential hidden or seasonal fees, such as:

Home improvement and renovation permit fees
Bulk trash removal surcharges for large items
Irrigation, reclaimed water, or drought surcharges
Special assessments for major HOA repairs or upgrades
Pet registration and waste removal fees in some HOAs

While these fees may not apply in all cases, it’s wise to budget for them and check with your HOA and local agencies about specific costs that may arise. [Hidden Fees to Watch Out for When Living in Tampa](/tampa-fl/local-hidden-fees/) provides more insight into sneaky expenses Tampa residents often encounter.

Are These Costs Worth It?

For many Tampa homeowners, the benefits of HOA living outweigh the monthly fees. HOAs often provide enhanced security, well-maintained amenities, and consistent enforcement of community standards. This can lead to higher property values and a better quality of life.

However, HOA living also comes with tradeoffs like less individual freedom over your home’s appearance and the possibility of rising fees. It’s important to weigh the pros and cons carefully.

In Tampa, HOA homes often retain higher resale value compared to similar non-HOA properties. The region’s many well-regarded planned communities and relatively low tax rates make HOA fees a worthwhile investment for most homeowners.

FAQs About Property Tax and HOA in Tampa

How much is the average HOA fee in Tampa?
In 2025, average HOA fees in Tampa range from $100 to $175 per month. Fees can be lower in older neighborhoods and higher in luxury developments.

Can your HOA fees increase?
Yes, HOA fees can increase over time to keep up with inflation, rising maintenance costs, and new amenities. Special assessments may also be charged for major projects.

Do you pay both property tax and HOA fees?
Yes, Tampa homeowners are responsible for both property taxes and HOA fees. Property taxes fund city and county services, while HOA fees cover neighborhood-specific expenses.

What happens if you don’t pay HOA fees in Florida?
Failing to pay HOA fees can result in late charges, legal action, and even foreclosure in extreme cases. Florida law grants HOAs significant power to collect unpaid assessments.

Final Cost Insights for Tampa Homeowners

In summary, Tampa homeowners can expect to pay around 0.9% in annual property taxes and $100-$175 per month in HOA fees as of 2025. While these costs are lower than many other major metros, they still add up to a significant portion of total housing expenses.

The key is to find a balance between reasonable fees and desirable amenities. For a detailed look at how these expenses fit into the bigger picture, see [Housing Costs in Tampa by Type](/tampa-fl/housing-breakdown/).

When budgeting for a home purchase in Tampa, be sure to factor in both property taxes and HOA fees, along with insurance, maintenance, and any special assessments. By planning ahead and choosing a neighborhood with a cost-amenity balance that fits your needs, you can make the most of homeownership in this sunny, vibrant metro.