Living in Tampa: 14 Things to Know From a Local

Tampa, Florida, is a city full of cultural attractions, outdoor activities, and a relaxed lifestyle. At 1776 Moving & Storage, we’ve worked with many people who’ve made the move here, and we know firsthand what it’s like to call this city home.

Whether you’re relocating for work, family, or a change of scenery, we want to give you an honest, balanced view of what living in Tampa is really like. In this post, we’ll walk you through the city’s highlights and challenges to help you decide if it’s the right place for you.

1. Tampa is More Than Just a City – It's a Region

When people talk about “Tampa,” they’re often referring to the entire Tampa Bay area, which includes surrounding counties like Hillsborough, Pinellas, and Pasco. The city itself is an urban hub, but the region is vast, offering everything from bustling downtown streets to quiet suburban neighborhoods. You’ll find each area has its unique charm and vibe.

• For Example: If you prefer a more suburban environment, you might want to explore New Tampa or Brandon—great for families who want more space.
• In contrast, Downtown Tampa is perfect for young professionals looking for a lively city atmosphere, while St. Petersburg is a popular spot for retirees seeking a more relaxed lifestyle.

2. Housing Prices Have Driven Up the Cost of Living

Tampa is not as affordable as it used to be. Over the last few years, housing prices have steadily risen, making it harder for newcomers to find affordable options. The average home price has surpassed the national average, and rental prices have increased as demand continues to outpace supply.

Pro Tip: If you’re willing to live a little further outside the city center, like in Lutz or Ruskin, you might be able to find a larger home or apartment for a more reasonable price. However, be prepared for longer commutes if you work in downtown Tampa.

3. Incomes in Tampa Lag Behind the National Average

While Tampa offers a relatively affordable lifestyle compared to places like Miami or Orlando, wages tend to be lower than the national average. The cost of living may be rising, but salaries haven’t quite caught up. This can make it more difficult to maintain a comfortable standard of living if you’re moving here for work.

For Young Professionals: If you’re moving to Tampa to advance your career, keep in mind that while the city offers plenty of job opportunities, particularly in healthcare, finance, and tech, your paycheck might not stretch as far as you’d expect in other major cities.

4. Property Taxes Can Be High for New Homeowners

Florida’s property tax system can be a bit tricky for new homeowners. Thanks to the “Save Our Homes” cap, property taxes are limited to 3% annual increases for long-term homeowners. However, new buyers can face higher rates because they miss out on this cap, making it more expensive to own property right off the bat.

Tip for New Homeowners: Make sure to explore local tax exemptions, like the homestead exemption, which can help reduce your overall tax burden.

5. High Insurance Rates for Homeowners and Cars

Living in a state prone to hurricanes means higher insurance costs, especially in Tampa. Both homeowners and car insurance tend to be more expensive than in other parts of the country due to the city’s exposure to weather risks and its proximity to the Gulf Coast.

Recommendation: When shopping for insurance, consider bundling your car and home policies or looking into local insurers that specialize in Florida’s unique risks.

6. Tampa Residents Tend to Be Younger Than Their Neighbors

Tampa’s population skews younger compared to surrounding areas. With a strong college presence, professional opportunities, and a vibrant social scene, it’s not surprising that the city is a magnet for younger residents. This gives the city a lively, dynamic feel, but it can sometimes leave older residents searching for quieter communities.

For Families: If you’re raising kids and want a more settled environment, consider suburban areas like Westchase or Carrollwood. These neighborhoods offer family-friendly amenities and highly rated schools.

7. Gasparilla: America's Third-Largest Parade and Booze Party

Tampa is home to one of the most unique festivals in the country: Gasparilla Pirate Fest. This annual event, held in January, draws thousands of people to the city for a giant parade, pirate-themed activities, and, of course, plenty of drinking.

Pro Tip: Gasparilla is an event you’ll either love or hate, so make sure to experience it once. If you prefer quieter events, the Children’s Gasparilla Parade is a more family-friendly version.

8. Bayshore Boulevard: The Longest Continuous Sidewalk in the U.S.

Tampa offers a lot of beautiful places to enjoy the outdoors, and Bayshore Boulevard is a local favorite. Stretching for 4.5 miles along the bay, it’s the longest continuous sidewalk in the U.S. It’s perfect for walking, running, or biking while soaking in views of the water and skyline.

For Fitness Buffs: Whether you’re running or enjoying a leisurely walk, this is the place to be. It’s also a great spot for a picnic or to watch the sunset.

9. Warm Personalities to Match the Warm Weather

Tampa residents are known for being friendly and welcoming, a true reflection of the city’s Southern hospitality. It’s not unusual for strangers to strike up a conversation at a café or on the street, and that sense of community can make it feel like home quickly.

For Newcomers: Don’t be afraid to introduce yourself to your neighbors. You’ll often find that they’re more than willing to help you settle in or recommend local spots.

10. Tampa Is a City of Champions When It Comes to Sports

Tampa’s passion for sports is palpable. Whether it’s the Tampa Bay Buccaneers (NFL), the Tampa Bay Lightning (NHL), or the Tampa Bay Rays (MLB), there’s always something happening in the sports world. The city’s support for its teams creates a tight-knit, high-energy environment that locals absolutely love.

For Sports Enthusiasts: If you’re a sports fan, living in Tampa means you’ll have year-round opportunities to catch live games and get involved in the excitement.

11. The Beaches Are Among the Best in Florida

While Tampa itself isn’t known for its beaches, nearby Clearwater Beach and St. Pete Beach rank among the best in Florida—and the world. You’ll find soft white sand, crystal-clear water, and plenty of opportunities to relax or get active.

For Beach Lovers: If you want easy beach access, living in Clearwater or St. Petersburg may be the perfect fit. These areas offer easy commutes to Tampa and a more laid-back coastal lifestyle.

12. Limited Public Transit and High Pedestrian Fatalities

Tampa’s public transportation system is somewhat limited, making a car necessary for most people. The city is working on improving transit options, but for now, getting around without a car can be challenging. Additionally, pedestrian fatalities are a significant concern in some areas of the city.

For Those Without Cars: If you’re planning to live car-free, neighborhoods like Downtown Tampa and Ybor City are more walkable, though you’ll still face some challenges when it comes to getting around.

13. Air Conditioning is a Necessity

With Tampa’s hot and humid climate, air conditioning is an absolute must. Summers can be brutal, with temperatures regularly reaching the 90s, and humidity makes it feel even hotter. Regular maintenance of your A/C unit is essential to avoid unexpected breakdowns.

Pro Tip: Be proactive about servicing your A/C, especially before the summer months. It’s cheaper in the long run and will keep you comfortable during the hottest months.

14. Plenty of Things to Do, But You Might Wish You Were Retired

Tampa offers an abundance of activities for all types of people. From the world-class Tampa Museum of Art to annual events like Tampa Bay Blues Festival, there’s always something happening. Whether you’re into sports, culture, or simply relaxing, you’ll find plenty to do.

For Retirees: Tampa has a great retirement scene, especially in areas like South Tampa and St. Petersburg. Whether you enjoy a quiet lifestyle or want to stay active, there’s no shortage of clubs, events, and volunteer opportunities to keep you engaged.

Start Planning Your Move Today

Tampa offers an exciting lifestyle filled with opportunities for both work and play. From its cultural festivals and world-class sports teams to the beautiful nearby beaches, the city has something for everyone

However, it’s not without its challenges—housing prices are rising, insurance is costly, and public transit could use improvement. Ultimately, Tampa’s combination of vibrant city living and relaxed suburban charm makes it a fantastic choice for young professionals, growing families, retirees, and everyone in between.

If you’re ready to make the move, 1776 Moving & Storage is here to help you with a stress-free relocation experience. Contact us today, and let’s get you settled into your new Tampa home!