By Emeri & Joe Lewkowicz, The Lewkowicz Group
If you’re considering a move to Tampa from out of state, you’re not alone. We speak with buyers every week who are relocating from New York, New Jersey, California, the Midwest, and everywhere in between. Some come for the sunshine, some for tax advantages, and others for lifestyle or investment opportunities. Whatever your reason, moving to Tampa is exciting—but it’s important to understand what truly makes this market unique before making the leap.
With over 40 years of combined real estate experience and deep roots in the Tampa Bay area, we’ve helped hundreds of out-of-state buyers transition smoothly and confidently. Here’s what you should know before calling Tampa home.
Tampa Is a Collection of Micro-Markets
One of the biggest misconceptions out-of-state buyers have is thinking of Tampa as one uniform market. In reality, Tampa Bay is made up of many distinct neighborhoods and surrounding communities—each with its own personality, pricing, and lifestyle.
South Tampa, Wesley Chapel, Riverview, St. Petersburg, Clearwater, and Dunedin all offer very different living experiences. Some areas are ideal for walkability and nightlife, while others are perfect for families seeking space, top-rated schools, or new construction. This is where local expertise matters most. We help our clients match how they live with where they should live—not just what looks good online.
Property Taxes, Insurance, and HOA Fees Matter
Florida’s lack of state income tax is a huge draw, but there are other costs buyers need to understand. Property taxes vary by county and homestead status, and insurance—especially flood and wind coverage—can differ significantly depending on location and property type.
Many communities also have HOA or CDD fees, particularly in newer developments. These aren’t deal-breakers, but they must be factored into your overall budget. We walk our clients through real numbers early, so there are no surprises later.
New Construction vs. Resale Homes
Out-of-state buyers often gravitate toward new construction, and Tampa offers plenty of it. While new builds can be attractive, they’re not always the best value depending on your goals. Some resale neighborhoods offer larger lots, mature landscaping, and stronger long-term appreciation.
We help buyers weigh incentives, timelines, resale value, and lifestyle considerations—especially for those purchasing sight unseen or on a tight relocation schedule.
Weather, Flood Zones, and Location Planning
Yes, Tampa is sunny and warm—but it’s important to understand how weather impacts real estate. Flood zones vary block by block, not just city by city. Two homes across the street from each other can have very different insurance requirements.
This is where local knowledge becomes critical. We don’t just pull maps—we explain how flood zones affect resale value, insurance costs, and peace of mind. Smart buyers plan ahead, and we make sure you do.
The Market Moves Faster Than You Think
Many out-of-state buyers are surprised by how competitive Tampa can be, especially in desirable neighborhoods or price points. Well-priced homes don’t sit long, and waiting too long can mean missing out.
We help our clients prepare before they start touring—getting pre-approved, understanding offer strategies, and knowing when to move quickly versus when to negotiate. Having boots on the ground makes all the difference.
Tampa Is a Lifestyle Move—and an Investment
Whether you’re relocating full-time, purchasing a second home, or investing, Tampa offers long-term upside. Strong job growth, population increases, and ongoing development continue to support the market.
But not every purchase is created equal. We help buyers think beyond today—considering resale value, rental potential, neighborhood growth, and future plans. That’s how you buy smart in a growing market like Tampa.
Final Thoughts from Emeri & Joe
Relocating out of state is a big decision, and it shouldn’t be done blindly. Tampa is an incredible place to live, work, and invest—but success starts with local guidance you can trust.
At The Lewkowicz Group, we don’t just sell homes—we help people make informed, confident moves. If Tampa is on your radar, we’d love to help you navigate the process and find the right fit for your lifestyle and goals.
