St. Petersburg Refinance Calculator

Refinance Calculator St. Petersburg mortgage estimates pre-filled with Pinellas County, Florida property-tax and insurance figures. Educational only.

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Home Price $360,000

Down Payment 20.0%

Interest Rate 6.50%

Illustrative — adjust to your quote

Did You Know?

Educational note — changes with your loan type

Estimated Monthly Payment

Principal & Interest$0

Mortgage Insurance$0

Property Tax (est.)$0

Home Insurance (est.)$0

Estimated Total$0

Loan Summary

Cash Out (added to loan)$0

VA Funding Fee (financed)$0

Loan Amount$0

Loan-to-Value (LTV)—

Total Interest$0

Total of Payments$0

Illustrative national averages (≈ early 2026) for education only — not an offer or quote. Verify current rates with sources like the Freddie Mac PMMS.

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MortEdu is an educational resource — not a lender, mortgage broker, or financial advisor. The breakdown is for learning only and is not an offer to lend or financial advice. Always consult a licensed professional before making a decision. We don't sell your information. See our Privacy Policy.

We are an educational company, not a lender. We do not make loans, underwrite loans, or provide financial advice. All loan terms, rates, and approvals are determined solely by a licensed lender of your choice. This service is not a loan application. These figures are estimates provided for educational purposes only and are not a loan offer, quote, rate lock, or commitment to lend. Your actual payment will differ. Property taxes and homeowners insurance shown here are estimates and may be understated or excluded, and other costs — such as mortgage insurance, HOA dues, flood insurance, and closing costs — may not be reflected. For a detailed, personalized quote, consult a licensed lender or loan officer.

Rates shown are illustrative approximations — not actual available rates. Adjust the rate selector to any figure you are considering. Estimates only, using an illustrative interest rate and tax and insurance data for your selected state (county-level where county data is available). Not a quote, offer, or commitment to lend. Verify every figure with a licensed lender in your state before relying on it. For informational and educational purposes only.

30-Year Fixed Rate — Last 12 Months

Freddie Mac PMMS monthly average · as of July 2026

iMonthly averages of Freddie Mac's weekly Primary Mortgage Market Survey (PMMS) 30-year fixed rate. Historical national averages from https://www.freddiemac.com/pmms — not a live quote or an offer of credit; rates change daily and vary by lender, credit, and location.

This page runs the same calculator against St. Petersburg, Florida figures — Pinellas County’s effective property-tax rate and county insurance band — so the estimate reflects what this cost actually looks like here rather than a national average.

Read the full Refinance Calculator explainer for how the math works, what each input means, and the qualifying rules — or browse all St. Petersburg home-buying resources.

St. Petersburg Numbers

Built on St. Petersburg, Florida figures

A baseline for St. Petersburg: the local median of $360,000 with 20% down, including Pinellas County’s property tax at 0.90%. Typical Pinellas County homeowners insurance runs about $3,600 a year at this value.

Scenario	Cash down	Loan amount	Est. total/mo
20% down	$72,000	$288,000	$2,462

St. Petersburg's housing stock divides between pre-WWII bungalows + Mediterranean Revivals in Old Northeast and Kenwood (1920s-1940s — original cast-iron drain stacks, knob-and-tube fragments, lath-and-plaster walls) and 1950s-1970s slab ranches in Shore Acres and the southern half of the city. Two local realities shape every transaction: aggressive flood-zone mapping along the bay (Shore Acres in particular is heavily SFHA-coded) and Pinellas's strict windborne-debris rules on coastal exposure. Expect insurance quotes to drive the deal.

Why insurance moves the number here: Outside HVHZ but Pinellas is a barrier-county exposure zone — FBC Chapter 16 wind-load applies and storm-shutter / impact-glass scope is the norm on coastal-exposure properties. Significant Special Flood Hazard Area mapping along the bay and Gulf shorelines. Wind exposure is a large part of why a St. Petersburg payment can differ from the same price elsewhere, so the insurance figure above is doing real work in the total.

Median value plus the county property-tax rate and county insurance figure come from public data held in this site’s own dataset. Payments use an illustrative 6.875% 30-year rate and are estimates for education only — never a quote, offer, or approval. Change any input in the calculator above to model your own scenario.

Local Insight

Understanding the St. Petersburg Market

St. Petersburg sits in Pinellas County, Florida. Neighborhoods such as Old Northeast, Snell Isle, Kenwood, Crescent Lake, and Shore Acres each carry their own mix of home ages, price tiers, and insurance considerations that are worth understanding before you set a budget in St. Petersburg.

A buyer planning a budget in St. Petersburg usually starts from the area's approximate median home value of about $360,000 (a rough market benchmark, not a quote). Pinellas County's effective property-tax rate runs near 0.90% of a home's value per year, which on a $360,000 home works out to roughly $3,240 a year, typically collected monthly through an escrow account. Florida's homestead exemption can lower that bill for a primary residence.

Homeowners insurance is the other big Florida variable: county-level estimates put a typical annual premium around $4,000 on a roughly $400,000 home in Pinellas County, with the figure swinging up or down based on roof age, wind-mitigation features, and flood-zone exposure. For context on what local incomes look like, the area median income for a four-person household in Pinellas County is about $90,100 per year, the benchmark many first-time-buyer and affordability programs use to set eligibility.

Taken together, the median price, Pinellas County tax rate, and insurance outlook are what shape a realistic monthly payment in St. Petersburg — which is why the calculator above is pre-set with this county's numbers. Adjust the inputs to match your own situation, and confirm current figures with a licensed Florida lender of your choice before making any decisions.