Tampa VA Loan Rates, Closing Costs & Stats
TAMPA-ST. PETERSBURG-CLEARWATER, FL
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Tampa's 244 lenders originated 7,406 VA loans during 2024. The total origination value was $3,132,790,000, with an average VA loan value of $423,007.
Tampa VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Tampa
averaged
6.95%
for the week of 2025-05-23, compared to the national average (all VA variants) of
6.52% for the same period.
Tampa's average VA mortgage closing costs are $7,262.
The average rate for the prior week (2025-05-16) was
6.53% and
one month ago for the week of 2025-04-18, the
average rate was 6.4%.
The average rate one year ago was 6.52%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.69%.
Tampa VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Tampa level.
The top Tampa VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
1,064 VA loans originated. Their average total fees are
$8,846, which is $701
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Tampa VA lenders (with over 10 loans originated) are
VANDERBILT MORTGAGE AND FINANCE, INC. ($3,909), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,636), EAGLE HOME MORTGAGE, LLC ($4,919), NVR Mortgage Finance, Inc. ($5,416) and PULTE MORTGAGE LLC ($5,716).
The lowest rate Tampa VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.84%), VANDERBILT MORTGAGE AND FINANCE, INC. (5.01%), PULTE MORTGAGE LLC (5.16%), DHI MORTGAGE COMPANY, LTD. (5.49%) and CMG MORTGAGE, INC. (5.57%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Tampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $266,250 (6.5%) | $395,388 (3.4%) | 0.99 | 13,114 |
| 2018-02-01 | $267,736 (4.0%) | $394,066 (0.9%) | 0.97 | 13,295 |
| 2018-03-01 | $269,900 (3.8%) | $397,972 (0.9%) | 0.95 | 13,381 |
| 2018-04-01 | $277,750 (4.8%) | $408,745 (2.1%) | 0.94 | 13,194 |
| 2018-05-01 | $278,320 (3.1%) | $405,556 (0.7%) | 0.93 | 13,361 |
| 2018-06-01 | $279,000 (3.3%) | $405,160 (0.6%) | 0.93 | 13,524 |
| 2018-07-01 | $276,545 (2.5%) | $401,532 (1.0%) | 0.92 | 13,653 |
| 2018-08-01 | $274,750 (1.8%) | $400,410 (1.0%) | 0.92 | 13,824 |
| 2018-09-01 | $269,020 (-0.2%) | $391,542 (-0.6%) | 0.90 | 14,120 |
| 2018-10-01 | $269,700 (0.9%) | $394,345 (0.0%) | 0.91 | 14,643 |
| 2018-11-01 | $269,020 (0.1%) | $390,669 (-1.6%) | 0.91 | 15,344 |
| 2018-12-01 | $267,000 (0.8%) | $385,355 (-2.1%) | 0.92 | 15,536 |
| 2019-01-01 | $265,495 (-0.3%) | $385,655 (-2.5%) | 0.92 | 15,823 |
| 2019-02-01 | $269,900 (0.8%) | $393,005 (-0.3%) | 0.91 | 16,085 |
| 2019-03-01 | $274,242 (1.6%) | $400,649 (0.7%) | 0.90 | 15,593 |
| 2019-04-01 | $279,900 (0.8%) | $405,434 (-0.8%) | 0.89 | 14,784 |
| 2019-05-01 | $284,042 (2.1%) | $408,326 (0.7%) | 0.89 | 14,366 |
| 2019-06-01 | $285,000 (2.2%) | $410,130 (1.2%) | 0.89 | 14,209 |
| 2019-07-01 | $285,000 (3.1%) | $406,721 (1.3%) | 0.89 | 13,853 |
| 2019-08-01 | $282,396 (2.8%) | $405,592 (1.3%) | 0.89 | 13,788 |
| 2019-09-01 | $281,048 (4.5%) | $406,014 (3.7%) | 0.90 | 13,756 |
| 2019-10-01 | $280,000 (3.8%) | $407,467 (3.3%) | 0.90 | 13,727 |
| 2019-11-01 | $279,900 (4.0%) | $409,672 (4.9%) | 0.92 | 13,406 |
| 2019-12-01 | $279,450 (4.7%) | $411,875 (6.9%) | 0.93 | 13,056 |
| 2020-01-01 | $276,700 (4.2%) | $415,741 (7.8%) | 0.92 | 12,621 |
| 2020-02-01 | $280,000 (3.7%) | $422,444 (7.5%) | 0.92 | 12,390 |
| 2020-03-01 | $284,000 (3.6%) | $425,686 (6.3%) | 0.89 | 12,275 |
| 2020-04-01 | $279,900 (0.0%) | $413,542 (2.0%) | 0.88 | 12,473 |
| 2020-05-01 | $285,000 (0.3%) | $426,203 (4.4%) | 0.87 | 11,627 |
| 2020-06-01 | $294,715 (3.4%) | $448,470 (9.4%) | 0.87 | 9,783 |
| 2020-07-01 | $299,178 (5.0%) | $463,681 (14.0%) | 0.87 | 8,773 |
| 2020-08-01 | $299,999 (6.2%) | $470,876 (16.1%) | 0.86 | 8,145 |
| 2020-09-01 | $304,950 (8.5%) | $481,459 (18.6%) | 0.87 | 7,775 |
| 2020-10-01 | $309,900 (10.7%) | $480,254 (17.9%) | 0.89 | 7,853 |
| 2020-11-01 | $305,000 (9.0%) | $476,813 (16.4%) | 0.89 | 7,677 |
| 2020-12-01 | $299,996 (7.4%) | $477,575 (16.0%) | 0.89 | 7,050 |
| 2021-01-01 | $299,900 (8.4%) | $493,734 (18.8%) | 0.90 | 5,753 |
| 2021-02-01 | $299,700 (7.0%) | $507,769 (20.2%) | 0.87 | 4,756 |
| 2021-03-01 | $304,041 (7.1%) | $515,492 (21.1%) | 0.86 | 3,920 |
| 2021-04-01 | $321,548 (14.9%) | $533,800 (29.1%) | 0.87 | 3,539 |
| 2021-05-01 | $337,428 (18.4%) | $539,796 (26.7%) | 0.90 | 3,620 |
| 2021-06-01 | $349,900 (18.7%) | $550,544 (22.8%) | 0.92 | 4,054 |
| 2021-07-01 | $350,000 (17.0%) | $564,725 (21.8%) | 0.92 | 4,662 |
| 2021-08-01 | $359,950 (20.0%) | $567,128 (20.4%) | 0.96 | 4,864 |
| 2021-09-01 | $367,000 (20.4%) | $562,134 (16.8%) | 0.98 | 4,805 |
| 2021-10-01 | $375,000 (21.0%) | $588,911 (22.6%) | 1.00 | 4,703 |
| 2021-11-01 | $382,000 (25.3%) | $599,162 (25.7%) | 1.02 | 4,415 |
| 2021-12-01 | $378,450 (26.2%) | $598,379 (25.3%) | 1.03 | 4,062 |
| 2022-01-01 | $385,000 (28.4%) | $627,165 (27.0%) | 1.04 | 3,392 |
| 2022-02-01 | $395,794 (32.1%) | $643,015 (26.6%) | 1.03 | 2,985 |
| 2022-03-01 | $399,950 (31.5%) | $661,580 (28.3%) | 1.00 | 3,076 |
| 2022-04-01 | $421,000 (30.9%) | $668,837 (25.3%) | 1.00 | 3,425 |
| 2022-05-01 | $439,625 (30.3%) | $674,221 (24.9%) | 1.01 | 4,883 |
| 2022-06-01 | $449,450 (28.5%) | $667,085 (21.2%) | 1.00 | 6,267 |
| 2022-07-01 | $444,900 (27.1%) | $644,403 (14.1%) | 1.00 | 8,639 |
| 2022-08-01 | $437,450 (21.5%) | $619,261 (9.2%) | 1.01 | 9,631 |
| 2022-09-01 | $429,450 (17.0%) | $612,975 (9.0%) | 1.00 | 10,077 |
| 2022-10-01 | $425,000 (13.3%) | $612,345 (4.0%) | 1.00 | 10,276 |
| 2022-11-01 | $415,000 (8.6%) | $604,228 (0.9%) | 1.00 | 11,129 |
| 2022-12-01 | $409,000 (8.1%) | $599,842 (0.2%) | 1.01 | 10,927 |
| 2023-01-01 | $400,000 (3.9%) | $608,426 (-3.0%) | 0.99 | 10,412 |
| 2023-02-01 | $400,000 (1.1%) | $622,533 (-3.2%) | 0.97 | 9,688 |
| 2023-03-01 | $410,000 (2.5%) | $651,341 (-1.6%) | 0.97 | 8,849 |
| 2023-04-01 | $411,750 (-2.2%) | $650,269 (-2.8%) | 0.96 | 8,625 |
| 2023-05-01 | $439,000 (-0.1%) | $682,374 (1.2%) | 1.00 | 8,150 |
| 2023-06-01 | $445,000 (-1.0%) | $692,472 (3.8%) | 1.00 | 8,178 |
| 2023-07-01 | $449,000 (0.9%) | $689,992 (7.1%) | 1.02 | 8,341 |
| 2023-08-01 | $442,500 (1.2%) | $676,636 (9.3%) | 1.02 | 8,691 |
| 2023-09-01 | $439,244 (2.3%) | $655,991 (7.0%) | 1.02 | 9,566 |
| 2023-10-01 | $429,950 (1.2%) | $651,440 (6.4%) | 1.01 | 11,057 |
| 2023-11-01 | $425,000 (2.4%) | $634,286 (5.0%) | 1.01 | 12,245 |
| 2023-12-01 | $420,000 (2.7%) | $627,803 (4.7%) | 1.02 | 12,399 |
| 2024-01-01 | $419,450 (4.9%) | $629,556 (3.5%) | 1.02 | 12,506 |
| 2024-02-01 | $415,500 (3.9%) | $623,443 (0.2%) | 1.00 | 13,201 |
| 2024-03-01 | $419,000 (2.2%) | $624,384 (-4.1%) | 0.99 | 14,010 |
| 2024-04-01 | $419,950 (2.0%) | $630,268 (-3.1%) | 0.98 | 14,622 |
| 2024-05-01 | $424,500 (-3.3%) | $635,001 (-6.9%) | 0.97 | 15,271 |
| 2024-06-01 | $425,000 (-4.5%) | $631,494 (-8.8%) | 0.97 | 15,786 |
| 2024-07-01 | $420,500 (-6.4%) | $622,860 (-9.7%) | 0.96 | 16,256 |
| 2024-08-01 | $415,000 (-6.2%) | $605,735 (-10.5%) | 0.97 | 16,525 |
| 2024-09-01 | $414,948 (-5.5%) | $594,863 (-9.3%) | 0.98 | 16,645 |
| 2024-10-01 | $399,999 (-7.0%) | $576,056 (-11.6%) | 0.94 | 15,542 |
| 2024-11-01 | $399,900 (-5.9%) | $573,390 (-9.6%) | 0.96 | 16,065 |
| 2024-12-01 | $395,000 (-6.0%) | $574,755 (-8.5%) | 0.98 | 15,748 |
| 2025-01-01 | $396,973 (-5.4%) | $576,218 (-8.5%) | 0.99 | 15,932 |
| 2025-02-01 | $399,000 (-4.0%) | $590,130 (-5.3%) | 0.97 | 17,014 |
| 2025-03-01 | $399,900 (-4.6%) | $598,090 (-4.2%) | 0.94 | 18,003 |
| 2025-04-01 | $410,000 (-2.4%) | $608,424 (-3.5%) | 0.95 | 19,310 |
Tampa's median listing price comes in at 95% of the national average.
Tampa's average listing price for 2025-04-01 was $608,424, a difference of $-21,844 (-3.5%) versus the prior year and $10,334 versus the prior month.
For the 2025-04-01 period, Tampa had 19,310 MLS listings, a difference of 1,307 listings (7%) versus the prior month and 4,688 listings (32%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Tampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 64 days | 1,790 sqft |
| 2018-02-01 | 54 days | 1,796 sqft |
| 2018-03-01 | 50 days | 1,811 sqft |
| 2018-04-01 | 51 days | 1,829 sqft |
| 2018-05-01 | 50 days | 1,829 sqft |
| 2018-06-01 | 52 days | 1,835 sqft |
| 2018-07-01 | 54 days | 1,827 sqft |
| 2018-08-01 | 56 days | 1,824 sqft |
| 2018-09-01 | 57 days | 1,788 sqft |
| 2018-10-01 | 54 days | 1,797 sqft |
| 2018-11-01 | 54 days | 1,781 sqft |
| 2018-12-01 | 59 days | 1,755 sqft |
| 2019-01-01 | 67 days | 1,744 sqft |
| 2019-02-01 | 62 days | 1,753 sqft |
| 2019-03-01 | 55 days | 1,775 sqft |
| 2019-04-01 | 57 days | 1,796 sqft |
| 2019-05-01 | 57 days | 1,819 sqft |
| 2019-06-01 | 57 days | 1,828 sqft |
| 2019-07-01 | 57 days | 1,820 sqft |
| 2019-08-01 | 58 days | 1,813 sqft |
| 2019-09-01 | 59 days | 1,808 sqft |
| 2019-10-01 | 60 days | 1,804 sqft |
| 2019-11-01 | 58 days | 1,787 sqft |
| 2019-12-01 | 62 days | 1,774 sqft |
| 2020-01-01 | 66 days | 1,761 sqft |
| 2020-02-01 | 57 days | 1,770 sqft |
| 2020-03-01 | 50 days | 1,757 sqft |
| 2020-04-01 | 53 days | 1,734 sqft |
| 2020-05-01 | 64 days | 1,746 sqft |
| 2020-06-01 | 64 days | 1,754 sqft |
| 2020-07-01 | 55 days | 1,754 sqft |
| 2020-08-01 | 48 days | 1,747 sqft |
| 2020-09-01 | 47 days | 1,713 sqft |
| 2020-10-01 | 44 days | 1,698 sqft |
| 2020-11-01 | 45 days | 1,674 sqft |
| 2020-12-01 | 50 days | 1,660 sqft |
| 2021-01-01 | 54 days | 1,630 sqft |
| 2021-02-01 | 40 days | 1,612 sqft |
| 2021-03-01 | 35 days | 1,614 sqft |
| 2021-04-01 | 33 days | 1,630 sqft |
| 2021-05-01 | 31 days | 1,635 sqft |
| 2021-06-01 | 29 days | 1,641 sqft |
| 2021-07-01 | 32 days | 1,630 sqft |
| 2021-08-01 | 31 days | 1,629 sqft |
| 2021-09-01 | 36 days | 1,626 sqft |
| 2021-10-01 | 35 days | 1,632 sqft |
| 2021-11-01 | 37 days | 1,648 sqft |
| 2021-12-01 | 53 days | 1,623 sqft |
| 2022-01-01 | 40 days | 1,610 sqft |
| 2022-02-01 | 31 days | 1,607 sqft |
| 2022-03-01 | 29 days | 1,602 sqft |
| 2022-04-01 | 26 days | 1,616 sqft |
| 2022-05-01 | 24 days | 1,649 sqft |
| 2022-06-01 | 26 days | 1,690 sqft |
| 2022-07-01 | 29 days | 1,704 sqft |
| 2022-08-01 | 37 days | 1,716 sqft |
| 2022-09-01 | 44 days | 1,720 sqft |
| 2022-10-01 | 50 days | 1,708 sqft |
| 2022-11-01 | 54 days | 1,690 sqft |
| 2022-12-01 | 58 days | 1,680 sqft |
| 2023-01-01 | 65 days | 1,673 sqft |
| 2023-02-01 | 59 days | 1,667 sqft |
| 2023-03-01 | 51 days | 1,673 sqft |
| 2023-04-01 | 49 days | 1,673 sqft |
| 2023-05-01 | 46 days | 1,686 sqft |
| 2023-06-01 | 46 days | 1,700 sqft |
| 2023-07-01 | 46 days | 1,702 sqft |
| 2023-08-01 | 44 days | 1,689 sqft |
| 2023-09-01 | 44 days | 1,690 sqft |
| 2023-10-01 | 44 days | 1,672 sqft |
| 2023-11-01 | 47 days | 1,652 sqft |
| 2023-12-01 | 57 days | 1,622 sqft |
| 2024-01-01 | 64 days | 1,600 sqft |
| 2024-02-01 | 57 days | 1,590 sqft |
| 2024-03-01 | 51 days | 1,598 sqft |
| 2024-04-01 | 52 days | 1,602 sqft |
| 2024-05-01 | 52 days | 1,618 sqft |
| 2024-06-01 | 57 days | 1,623 sqft |
| 2024-07-01 | 61 days | 1,619 sqft |
| 2024-08-01 | 64 days | 1,619 sqft |
| 2024-09-01 | 66 days | 1,601 sqft |
| 2024-10-01 | 73 days | 1,603 sqft |
| 2024-11-01 | 74 days | 1,600 sqft |
| 2024-12-01 | 72 days | 1,577 sqft |
| 2025-01-01 | 70 days | 1,579 sqft |
| 2025-02-01 | 66 days | 1,578 sqft |
| 2025-03-01 | 57 days | 1,584 sqft |
| 2025-04-01 | 58 days | 1,604 sqft |
Tampa's median square footage for active listings during the 2025-04-01 period was 1,604 sqft. One year prior, the average listing was 1,602 sqft.