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UNIVERSITY OF SOUTH FLORIDA LOAN SPECIALIST
University of South Florida · Tampa, Florida
Compare homes for sale, rentals, financing, neighborhoods, and the cost of renting versus buying near University of South Florida.
Campus-Area PropertiesRent-vs-Buy ComparisonLocal Campus-Area Professionals
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University of South Florida Property Explorer
Homes for Sale Near University of South Florida
Review active homes for sale within 3 miles of University of South Florida's campus. Select a listing to view details, or inquire about a specific property.
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5 homes for sale
YOUR UNIVERSITY OF SOUTH FLORIDA REAL ESTATE EXPERT
Claim this market and appear here — parents, investors, and sellers are looking for a trusted local advisor.
For Sale
0.3 miles from campus
Condo · University Square
2 bd 2 ba 1,050 sqft$260,000
Modern 2-bedroom, 2-bath condo in University Square. In-unit laundry, community pool, covered parking. Walk or short drive to USF — excellent affordable parent-purchase option.
For Sale
1 / 4
0.3 miles from campus
Condo · University Square
2 bd 2 ba 1,050 sqft$260,000
Modern 2-bedroom, 2-bath condo in University Square. In-unit laundry, community pool, covered parking. Walk or short drive to USF — excellent affordable parent-purchase option.
For Sale
0.4 miles from campus
Townhome · Temple Terrace
3 bd 2 ba 1,580 sqft$340,000
Modern 3-bedroom townhome in Temple Terrace, minutes from USF's main campus. Updated kitchen, attached garage, private patio. Strong parent-purchase potential near the university.
For Sale
1 / 4
0.4 miles from campus
Townhome · Temple Terrace
3 bd 2 ba 1,580 sqft$340,000
Modern 3-bedroom townhome in Temple Terrace, minutes from USF's main campus. Updated kitchen, attached garage, private patio. Strong parent-purchase potential near the university.
For Sale
1.1 miles from campus
Single-Family · Temple Terrace
3 bd 2 ba 1,490 sqft$315,000
Updated 3-bedroom ranch on a quiet Temple Terrace street. Newer roof, updated kitchen, fenced backyard. Minutes from USF and Busch Gardens.
For Sale
1 / 4
1.1 miles from campus
Single-Family · Temple Terrace
3 bd 2 ba 1,490 sqft$315,000
Updated 3-bedroom ranch on a quiet Temple Terrace street. Newer roof, updated kitchen, fenced backyard. Minutes from USF and Busch Gardens.
For Sale
1.3 miles from campus
Condo · Temple Terrace
2 bd 2 ba 1,120 sqft$285,000
Updated 2-bedroom condo near Bus Lines to USF. In-unit laundry, community pool, gated parking. Turnkey parent-purchase or investor condo close to campus.
For Sale
1 / 4
1.3 miles from campus
Condo · Temple Terrace
2 bd 2 ba 1,120 sqft$285,000
Updated 2-bedroom condo near Bus Lines to USF. In-unit laundry, community pool, gated parking. Turnkey parent-purchase or investor condo close to campus.
For Sale
2.2 miles from campus
Single-Family · New Tampa
4 bd 3 ba 2,140 sqft$415,000
Spacious 4-bedroom home in New Tampa with updated kitchen, open family room, and large screened lanai. Short drive to USF — excellent for a parent-owned property near campus.
For Sale
1 / 4
2.2 miles from campus
Single-Family · New Tampa
4 bd 3 ba 2,140 sqft$415,000
Spacious 4-bedroom home in New Tampa with updated kitchen, open family room, and large screened lanai. Short drive to USF — excellent for a parent-owned property near campus.
YOUR UNIVERSITY OF SOUTH FLORIDA REAL ESTATE EXPERT
Claim this market and appear here — parents, investors, and sellers are looking for a trusted local advisor.
For Sale
For Sale · Condo
0.3 miles from campus
Tampa, FL 33612 · University Square
$260,000 2 bd 2 ba 1,050 sqft
Modern 2-bedroom, 2-bath condo in University Square. In-unit laundry, community pool, covered parking. Walk or short drive to USF — excellent affordable parent-purchase option.
Viewing 1 of 5
Rent vs. Own + Cash-Flow Snapshot
Compare estimated nearby rent with the cost of owning this property. Roommate contributions may offset part of the payment, but all figures require review.
Rent Nearby
$1,900/mo
2 beds × $950/mo
Own This Property
$1,776/mo
Estimated payment @ 7.25%
Monthly Gap
+$124/mo
DSCR: 1.07x
Simple read: Estimated comparable rent is $1,900/mo. The estimated monthly ownership cost is $1,776/mo, creating an estimated difference of $124/mo before appreciation, tax treatment, principal reduction, maintenance changes, vacancies, or rent changes.
Roommate Rent Offset
If the student occupies one bedroom, up to 1 additional bedroom may potentially be used by roommates. At an estimated $950 per occupied roommate bedroom, the projected monthly offset would be approximately $950.
Roommate income is not guaranteed. Lease gaps, turnover, non-payment, occupancy rules, and changing rental conditions may affect actual contributions.
Monthly Ownership Estimate
Estimated monthly costs with local-service review points for each line. Confirm actual financing, taxes, insurance, association charges, utilities, and management costs with qualified professionals.
Purchase Scenario
$260,000
est. price · 25% down ($65,000)
Principal & Interest
30-yr @ 7.25% · loan $195,000
Property Tax
~1.2% effective rate on $260,000
Homeowners / Hazard / Flood InsuranceConfirm during review
$2,200/yr estimate · varies by location, coverage, carrier
HOA / Condo DuesConfirm during review
Confirm during review
Property ManagementEducational estimate
~8% of gross rent · leasing, maintenance, rent collection
Internet / Utilities SetupConfirm during review
Student-friendly plan estimate · varies by provider
Move-In / Setup ReserveEducational estimate
Monthly reserve for furniture, storage, move-in costs
Estimated Total Monthly Ownership Cost
$2,208/mo
vs. $1,900/mo estimated rent
Compare Financing Options
Rent Nearby
$1,900/mo
Est. PITIA
$1,776/mo
Est. Diff
+$124/mo
Interest-Only
Request estimate
Comparable Nearby Options
Compare other active University of South Florida-area properties from the current result set.
1.3 miles from campus
Condo · 2 bd / 2 ba · $285,000
Same property type
0.4 miles from campus
Townhome · 3 bd / 2 ba · $340,000
More bedrooms
1.1 miles from campus
Single-Family · 3 bd / 2 ba · $315,000
More bedroomsNear campusFinancing reviewCondo / HOALower-maintenance option
Additional Local Services
Property ManagementConfirm during review
Homeowners / Hazard / Flood InsuranceConfirm during review
Moving / StorageConfirm during review
Internet ProviderConfirm during review
Educational estimates only. These figures are not a loan quote, investment advice, tax advice, an appraisal, or a guarantee of rent, approval, occupancy, appreciation, or cash flow. Property-specific figures should be reviewed with qualified real estate, lending, insurance, tax, and property-management professionals.
5 representative buy scenarios
YOUR UNIVERSITY OF SOUTH FLORIDA REAL ESTATE EXPERT
Claim this market and appear here — parents, investors, and sellers are looking for a trusted local advisor.
For Sale
0.3 miles from campus
Condo · University Square
2 bd 2 ba 1,050 sqft$260,000
Modern 2-bedroom, 2-bath condo in University Square. In-unit laundry, community pool, covered parking. Walk or short drive to USF — excellent affordable parent-purchase option.
For Sale
1 / 4
0.3 miles from campus
Condo · University Square
2 bd 2 ba 1,050 sqft$260,000
Modern 2-bedroom, 2-bath condo in University Square. In-unit laundry, community pool, covered parking. Walk or short drive to USF — excellent affordable parent-purchase option.
For Sale
0.4 miles from campus
Townhome · Temple Terrace
3 bd 2 ba 1,580 sqft$340,000
Modern 3-bedroom townhome in Temple Terrace, minutes from USF's main campus. Updated kitchen, attached garage, private patio. Strong parent-purchase potential near the university.
For Sale
1 / 4
0.4 miles from campus
Townhome · Temple Terrace
3 bd 2 ba 1,580 sqft$340,000
Modern 3-bedroom townhome in Temple Terrace, minutes from USF's main campus. Updated kitchen, attached garage, private patio. Strong parent-purchase potential near the university.
For Sale
1.1 miles from campus
Single-Family · Temple Terrace
3 bd 2 ba 1,490 sqft$315,000
Updated 3-bedroom ranch on a quiet Temple Terrace street. Newer roof, updated kitchen, fenced backyard. Minutes from USF and Busch Gardens.
For Sale
1 / 4
1.1 miles from campus
Single-Family · Temple Terrace
3 bd 2 ba 1,490 sqft$315,000
Updated 3-bedroom ranch on a quiet Temple Terrace street. Newer roof, updated kitchen, fenced backyard. Minutes from USF and Busch Gardens.
For Sale
1.3 miles from campus
Condo · Temple Terrace
2 bd 2 ba 1,120 sqft$285,000
Updated 2-bedroom condo near Bus Lines to USF. In-unit laundry, community pool, gated parking. Turnkey parent-purchase or investor condo close to campus.
For Sale
1 / 4
1.3 miles from campus
Condo · Temple Terrace
2 bd 2 ba 1,120 sqft$285,000
Updated 2-bedroom condo near Bus Lines to USF. In-unit laundry, community pool, gated parking. Turnkey parent-purchase or investor condo close to campus.
For Sale
2.2 miles from campus
Single-Family · New Tampa
4 bd 3 ba 2,140 sqft$415,000
Spacious 4-bedroom home in New Tampa with updated kitchen, open family room, and large screened lanai. Short drive to USF — excellent for a parent-owned property near campus.
For Sale
1 / 4
2.2 miles from campus
Single-Family · New Tampa
4 bd 3 ba 2,140 sqft$415,000
Spacious 4-bedroom home in New Tampa with updated kitchen, open family room, and large screened lanai. Short drive to USF — excellent for a parent-owned property near campus.
Showing all 5 properties
Property information, pricing, photographs, and availability may change. Verify current details before making a housing decision. CollegeHousing.ai is an independent housing information platform and is not a brokerage, MLS, property-listing provider, or affiliate of University of South Florida.
You're viewing the University of South Florida housing market.
•Use this page to review parent, investor, seller, and financing paths near campus.
Built Around the University of South Florida Housing Decision
Families and investors do not search for generic housing. They search around a specific school, a specific timeline, and a specific decision. This market page organizes the major paths around University of South Florida.
Parents
Compare rent vs. buy near University of South Florida before defaulting to another year of rent.
Start Rent vs. Buy ReviewInvestors
Review campus-area rental potential, student housing demand, and financing paths.
Analyze a Campus RentalSellers
Understand whether campus-area ownership demand may support a sale, refinance, or hold decision.
Request Property ReviewBorrowers
Review DSCR, conventional, refinance, and cash-out paths for campus-area property.
Check Financing OptionsUSF Housing Decision Center
Review University of South Florida Campus-Area Housing
Independent college housing market review covering parent rent-vs-buy analysis, student-rental investment evaluation, DSCR financing review, seller timing, and local real estate professional connection for the University of South Florida / Tampa market.
Parent Rent vs. Buy
Investor Cash Flow
Seller Review
Financing Path
Parent Rent vs. Buy
Review Candidates
Student-Rental Demand
~85% Off Campus
Local Market Contact
Available
Explore USF Property Review Candidates
Estimated review scenario. Current availability, pricing, rent potential, taxes, insurance, HOA, and financing terms should be verified before making a decision. These are not active MLS listings.
NEIGHBORHOODS
Compare Neighborhoods Near University of South Florida
Compare four Tampa areas by proximity to the USF campus, housing type, buyer fit, and practical considerations before focusing your search.
Near Campus
USF / North Tampa
33612 / 33613 · Walkable to campus
The North Tampa district immediately around the USF Tampa campus along Fowler and Bruce B. Downs, with student housing, apartments, and family homes near the university core. It is the closest, highest-turnover residential zone for USF.
Housing MixStudent housing, apartments, and mixed family homes
Best FitStudents, faculty, and parents wanting the closest walk or bike to campus
Watch ForFowler Ave and the campus edge are busy and student-seasonal
Featured Area
Family Suburbs
New Tampa
33647 / 33637 · Short drive to campus
The master-planned New Tampa communities north of the campus offer modern subdivisions, community pools, and A-rated schools with a direct route to USF and I-75. It is a leading choice for USF families and professionals.
Housing MixPlanned-community single-family homes and townhomes
Best FitFamilies wanting new homes, schools, and an easy USF commute
Watch ForNew Tampa pricing has risen with demand
Featured Area
Established Residential
Temple Terrace
33617 · Short drive to campus
The established city of Temple Terrace, directly east of USF, offers family homes, oak-lined streets, and the Hillsborough Riverfront. It blends student-adjacent living with settled neighborhoods for faculty and families.
Housing MixEstablished single-family homes and some student rentals
Best FitFaculty, students, and families wanting a settled near-campus community
Watch ForTemple Terrace spans varied housing conditions and prices
Featured Area
Trending Urban
Seminole Heights
33604 · Short drive to campus
The historic bungalow district of Seminole Heights, south of campus, is known for its creative restaurants, renovated 1920s homes, and strong community. It draws students and young professionals who value its character.
Housing MixHistoric bungalows and renovated family homes
Best FitBuyers wanting a character-rich, walkable district near USF
Watch ForSeminole Heights has gentrified and prices have climbed
Featured Area
Market Guidance
University of South Florida Housing Market Guides
Local guides for parents, investors, sellers, and borrowers reviewing housing near University of South Florida in Tampa.
Parent Guide
Buying Housing Near University of South Florida: Parent Guide to Tampa Campus Areas
What parents should evaluate when comparing rent, ownership, neighborhood selection, and resale potential near University of South Florida in Tampa.
Read Guide
Parent Guide
Rent vs. Buy Near University of South Florida
A Tampa-focused rent-vs-buy guide for families comparing student rental costs against owning near University of South Florida.
Read Guide
Local Guide
Best Tampa Areas to Review for USF Housing
A local review of campus-area housing considerations near University of South Florida and across the Tampa area.
Read Guide
Investor Guide
USF Student Rental Investment Guide
How investors can evaluate rental demand, local market dynamics, property type, cash flow, and exit strategy around University of South Florida.
Read Guide
Seller Guide
Selling a House Near University of South Florida
How campus-area owners can position a Tampa property for parent buyers, investor buyers, and local market demand.
Read Guide
Financing Guide
DSCR and Investor Financing for USF-Area Rentals
What borrowers should know when reviewing DSCR, rental income, investor financing, and student-housing properties near University of South Florida.
Read Guide
CollegeHousing.ai is an independent platform and is not affiliated with, endorsed by, or sponsored by University of South Florida.
Loan Officer Partner: Matt Dean — NEXA Lending. Independent sponsor placement.
Review Paths
University of South Florida Housing Review Paths
Choose the path that best matches your situation near University of South Florida in Tampa. Each review path focuses on a different set of housing and financing questions.
Parent Rent vs. Buy Review
Compare four years of Tampa rent with ownership costs near University of South Florida. Review roommate rent offset, financing structure, and after-graduation options.
Start Parent ReviewInvestor Cash Flow Review
Evaluate student-rental income, operating expenses, DSCR fit, vacancy assumptions, and long-term college-town demand near University of South Florida.
Analyze a Campus RentalSeller / Hold Review
Review whether your Tampa-area property may attract parent buyers, student-rental investors, or local demand. Compare sell, refinance, and hold scenarios.
Request Property ReviewFinancing Review
Review parent-purchase, second-home, investment-property, DSCR, refinance, and cash-out financing paths for the Tampa market.
Check Financing OptionsProperty Management Review
Lisa Martinez, Bull Campus Property Management, serves the Tampa market. Review leasing, maintenance, turnover, and long-distance ownership near University of South Florida.
View Lisa's ProfileStart with your decision
Each path focuses on a different set of questions — parent purchase, investment cash flow, seller review, or financing options near University of South Florida.
Parents
Compare rent vs. buy near campus
For families evaluating whether to rent student housing or buy a campus-area property near University of South Florida, the review focuses on ownership horizon, roommate income potential, maintenance responsibility, resale options, and financing.
Start Parent ReviewInvestors
Review student-rental cash flow
For investors evaluating a college-town rental near University of South Florida, the review focuses on rental demand, management complexity, lease timing around the academic calendar, student-housing durability, DSCR considerations, and exit strategy.
Start Investor ReviewSellers
Evaluate sell, refinance, or hold
For owners of campus-area properties near University of South Florida, the review focuses on timing, buyer demand, rental performance, refinancing options, cash-out potential, and whether the property should be held or brought to market.
Start Seller ReviewFinancing
Review DSCR, refi, cash-out, and purchase options
For borrowers, the review focuses on financing paths for campus-area properties near University of South Florida, including purchase loans, refinancing, cash-out, and DSCR options when applicable.
Start Financing ReviewWhy University of South Florida / Tampa deserves its own review
The University of South Florida in Tampa enrolls approximately 50,000 students across its Tampa campus, making it one of the largest public universities in Florida. Located in the fast-growing Tampa Bay metro area, USF combines strong enrollment with a region experiencing significant population and employment growth. The off-campus housing market serves students, young professionals, and families drawn to Tampa's expanding economy.
Parent rent-vs-buy considerations
USF parents face a growing Tampa housing market where rent-vs-buy comparisons depend on purchase price, financing structure, roommate rent potential, Florida property insurance costs, and after-graduation plans. Tampa's expanding job market means post-graduation demand for the property may extend beyond student-only buyers.
Investor rental-property review
Tampa's student-rental market near USF benefits from large enrollment and a metro area with strong population growth. Investors should review rent-by-room scenarios, lease timing, Florida property expenses (including insurance), and DSCR fit. Tampa's broader economic growth adds a non-student demand floor.
Seller and exit-strategy review
USF-area sellers may attract parent buyers, student-rental investors, and Tampa-area residents. Campus proximity, rental history, and Tampa's growth trajectory all factor into positioning.
Financing pathways
Borrowers near USF may explore parent-purchase, investment-property, DSCR-based, or refinance options. Florida property insurance costs should be factored into ownership cost estimates and reviewed with a licensed loan officer.
University of South Florida / Tampa Market
Independent review platform. Not affiliated with or endorsed by University of South Florida.
Market Snapshot
University of South Florida / Tampa housing data
Public data sources for evaluating college-area housing decisions. Not investment advice. Not a guarantee of rental income, appreciation, or loan approval.
Last updated: 2026-06-27
University Demand
49,802
Total Enrollment
37,524
Undergraduate
12,278
Graduate
6,200
First-Year Class
91%
Retention Rate
62%
4-Year Graduation Rate
SourceOfficial University Facts — University of South Florida · Fall 2024
On-Campus vs Off-Campus Housing
No
First-Year Live-On Required
No
On-Campus Housing Guaranteed
65%
First-Year in Univ. Housing
35%
First-Year Off Campus / Commute
15%
All Undergrads in Univ. Housing
85%
All Undergrads Off Campus / Commute
USF does not require first-year students to live on campus. Approximately 85% of all undergraduates live off campus, creating a large private housing market in the Tampa Bay area.
SourceOfficial Common Data Set — University of South Florida, Section F · 2024–2025 Common Data Set
Local Housing Baseline — Tampa
$384,000
Median Owner-Occupied Home Value
$1,450/mo
Median Gross Rent
48.5%
Owner-Occupied Housing Rate
$1,950
Median Monthly Owner Cost (w/ Mortgage)
398,175
City Population
157,000
Households
SourceU.S. Census Bureau QuickFacts — Tampa, FL · 2020–2024 ACS 5-Year Estimates
When students typically move off campus
No
First-Year Live-On Required
No
On-Campus Housing Guaranteed
65%
First-Year Students in Univ. Housing
35%
First-Year Students Off Campus / Commute
15%
All Undergrads in Univ. Housing
85%
All Undergrads Off Campus / Commute
What this means for housing decisions
USF does not require first-year students to live on campus. Approximately 85% of all undergraduates live off campus, creating a substantial private housing market in the Tampa area.
SourceOfficial Common Data Set — University of South Florida, Section F · 2024–2025 Common Data Set
Parent Rent-vs-Buy Trigger
- •4+ years of housing needed
- •No freshman live-on requirement — immediate off-campus option
- •Most undergrads live off campus by sophomore year
- •Rent alternative: median rent $1,450/mo
- •Roommate income potential from other students
- •Ownership horizon: typically 3–5 years
- •Resale after graduation — parent/investor buyer pool
- •Property management if parent is out of town
- •Financing: second home vs investment property classification
Investor Cash-Flow Trigger
- •Strong off-campus demand — 85% of undergrads off campus
- •Rent-by-room potential near campus
- •School-year lease timing (Aug–Jul typical)
- •Turnover risk between academic years
- •Maintenance and management load
- •DSCR review: rent vs debt service
- •Local owner-occupancy rate: 48.5% — context for rental demand
- •Exit strategy: sell to parent buyer, investor, or owner-occupant
Seller / Refi / Hold Trigger
- •Current lease status and rental history
- •Campus proximity and property condition
- •Buyer pool: parents, investors, owner-occupants
- •Sell vs hold: compare net proceeds with ongoing rental income
- •Refinance / cash-out review
- •School-year timing: list before leasing season
- •Equity position and market conditions
Financing Trigger
- •Parent purchase financing (owner-occupied or second home)
- •Second-home vs investment property classification
- •Investment-property loan options
- •DSCR loan review for rental-backed properties
- •Refinance and cash-out options
- •Down payment sensitivity by loan type
- •Insurance, property tax, and HOA review
Market Analysis
What this market is best for
Every college market has a different profile. Here's how University of South Florida / Tampa breaks down by the three most common campus-area housing decisions.
Parent Rent-vs-Buy
For families evaluating whether buying near campus makes more financial sense than four years of rent. The review covers purchase price, financing, roommate income potential, ownership costs, and after-graduation options.
Rent alternative caseStrong
Campus proximity valueHigh
Resale to next buyerActive pool
Student-Rental Investor
For investors evaluating campus-area rental property. The review focuses on rent-by-room scenarios, operating expenses, lease timing around the academic calendar, DSCR fit, vacancy assumptions, and long-term college-town demand.
Off-campus demandStrong
DSCR lender interestHigher
Year-round stabilityMore stable
Seller / Refinance Decision
For owners of leased student rentals or campus-area properties evaluating whether to sell, refinance, or hold. The review covers current rental income, equity position, buyer pool composition, and refinance options.
Parent-buyer poolActive
Investor-buyer interestPresent
Best listing windowBefore leasing season
Next Step
Review Campus-Area Property Candidates Near University of South Florida
The map shows the types of campus-area properties commonly reviewed for parent purchases, investor rentals, seller decisions, and financing conversations. These are review candidates — for comparison, financing analysis, and local real estate expert review. Connect with a licensed professional when you are ready to evaluate actual opportunities.
Important: These campus-area review candidates are for comparison, financing, and local professional review. Availability, pricing, and property details should be independently verified. CollegeHousing.ai is an independent platform and is not affiliated with or endorsed by University of South Florida. These are not active MLS listings.
Financial Dashboard
The ownership cost stack near USF
Campus-area ownership is never just the mortgage. Each layer below represents a real cost category that should be reviewed with a local professional. All figures are illustrative — confirm with actual quotes.
Sample Monthly Ownership Estimate
Sample Purchase Scenario
Illustrative only — not a quote or offer
$384,000
Sample price · 25% down ($96,000)
Principal & Interest (P&I)— 30-yr · 7.25% · loan $288,000
30-yr · 7.25% · loan $288,000$1,915/mo
Property Tax— Sample ~1.2% effective rate on $384,000
Sample ~1.2% effective rate on $384,000$384/mo
Homeowners / Hazard Insurance— Sample $2,400/yr — varies by coverage, location, carrier
Sample $2,400/yr — varies by coverage, location, carrier$200/mo
Flood Insurance— Florida property insurance costs are significantly higher than the national average. Tampa's coastal location means wind and flood coverage should be reviewed.
Florida property insurance costs are significantly higher than the national average. Tampa's coastal location means wind and flood coverage should be reviewed.Estimate needed
HOA / Condo Dues (if applicable)— Review HOA covenants in subdivisions and condo communities near USF for rental restrictions.
Review HOA covenants in subdivisions and condo communities near USF for rental restrictions.Confirm per property
Utilities / Internet— Sample estimate — electric, water, internet, varies by provider and usage
Sample estimate — electric, water, internet, varies by provider and usage$250/mo
Maintenance Reserve— Sample ~1% of home value/yr — covers roof, HVAC, appliances, repairs
Sample ~1% of home value/yr — covers roof, HVAC, appliances, repairs$320/mo
Property Management (if rented)— Sample ~8% of gross rent — leasing, maintenance coordination, rent collection
Sample ~8% of gross rent — leasing, maintenance coordination, rent collection$116/mo
Estimated Total Monthly Payment
Sample — confirm with actual quotes from local providers
$3,185/mo
Vs. $1,450/mo median rent — Tampa
Sample estimate — not financial, tax, legal, or lending advice. Actual costs vary by property, location, insurance carrier, tax assessment, management provider, HOA covenants, and loan terms. Every figure above should be confirmed with a licensed local professional. This is an educational illustration, not a projection or guarantee.
Neighborhood Logic
Campus-area living logic
Campus-area housing isn't just about distance to the quad. These eight factors drive demand, rentability, resale value, and ownership experience near USF.
Distance & Proximity
Properties within 1 mile of campus command premium rent and resale interest. Beyond 3 miles, buyer and tenant pools shift toward local residents.
Roommate Demand
Per-bedroom rent structure is common near campus. Properties with the right bedroom count and layout attract student tenants and parent buyers alike.
Property Condition
Student-rented homes face more wear. Condition at purchase affects maintenance costs, insurance, and resale. Inspection is essential — not optional.
Internet & Connectivity
Reliable high-speed internet is non-negotiable for student tenants. Confirm provider availability and speeds before purchasing.
Safety & Neighborhood
Campus-adjacent neighborhoods vary in safety profile, lighting, and tenant mix. Review Tampa police data and walk the neighborhood at different times.
Resale Demand
The exit matters. Campus-area homes sell best to the next parent buyer or investor. Market to the right pool at the right time in Tampa.
Parking & Access
On-street parking near campus is often restricted. Driveway or off-street parking adds real value for tenants and buyers in Tampa.
Property Management
Numerous property management companies serve the Tampa/USF market. Fees and services vary widely.
These factors are directional for Tampa campus-area properties. Each property should be reviewed individually.
Setup Checklist
Before you buy near USF
The ownership decision doesn't end at closing. These six setup steps are commonly overlooked and can materially change the cost and experience of owning near campus.
1
Lock in insurance early
Get actual quotes for homeowners/hazard insurance and flood insurance before you commit. In some FL markets, the combined cost can materially change the monthly ownership estimate.
2
Confirm HOA rules and rental restrictions
Review HOA covenants in subdivisions and condo communities near USF for rental restrictions.
3
Check internet provider availability
Not every address near USF has access to high-speed internet. Student tenants require reliable connectivity. Confirm what providers service the specific property and what speeds are available before buying.
4
Plan move-in and furniture logistics
If the purchase is timed for a lease turnover window (USF's fall semester begins in late August; spring begins in early January. Summer terms run May–August.), furniture delivery, storage, and move-in services should be lined up in advance. The student leasing cycle is tight and unforgiving.
5
Set up utilities and student-friendly billing
Electric, water, gas, internet, and trash service should be transferred and active before tenants arrive. Consider how utilities will be billed — landlord-paid with rent adjustment, or tenant-paid with setup support.
6
Budget for maintenance from day one — in Tampa
Student-occupied properties see more wear than owner-occupied homes. Budget at least 1% of the property value per year for maintenance — roof, HVAC, appliances, flooring, paint — and have a local handyman or management company identified before closing.
Campus Ownership Setup
Before you own near USF
Campus-area properties often involve setup items beyond the purchase price. Review the local services that may affect ownership, rental readiness, and student move-in.
Property Management
Review leasing, maintenance, rent collection, and student-rental management near campus.
Confirm during reviewInsurance Professional Placement Available
Available for a Qualified Local Insurance Professional
Review homeowners, hazard, landlord, and flood insurance needs for a campus-area property.
Review Insurance OptionsAvailableMoving / Storage
Coordinate move-in, student storage, furniture, and parent logistics near campus.
Confirm during reviewInternet Provider
Review student-friendly internet availability and setup options near campus.
Confirm during reviewSponsored providers are independent third parties. CollegeHousing.ai may receive compensation for placement where permitted. CollegeHousing.ai is not a university housing office, real estate brokerage, lender, loan originator, insurance agency, property manager, moving company, internet provider, law firm, or tax advisor. Users should verify licensing, pricing, coverage, availability, and terms directly with each provider.
College housing questions in Tampa
Answers to the most common questions about USF-area housing.
1Should parents rent or buy near the University of South Florida?
USF families should compare four years of Tampa rent with ownership costs including mortgage, Florida property tax, insurance, maintenance, and management. Roommate rent contributions can meaningfully offset ownership costs. Tampa's growing economy may support post-graduation resale or rental demand.
2Can a student rental near USF work as an investment?
Student rentals near USF benefit from large enrollment in a fast-growing Tampa metro area. Investment success depends on purchase price, rent structure, expenses, and financing terms — each property requires its own underwriting.
3Can DSCR financing be used near USF?
DSCR loans may apply to Tampa-area investment properties. Each property's projected rental income must support the debt service per lender guidelines. Review rent, expenses, and DSCR thresholds with a licensed loan officer.
4Should I sell or hold near USF?
Tampa-area owners should evaluate current rental income, equity position, local buyer demand, Florida insurance and tax costs, and refinancing options before deciding to sell or hold.
5Is CollegeHousing.ai affiliated with the University of South Florida?
No. CollegeHousing.ai is an independent real estate and financing information platform. It is not affiliated with or endorsed by the University of South Florida.
What a Review Looks Like
Sample review outcome
Every property and situation is different. This sample illustrates the type of analysis you might receive — not a real review and not a guarantee of any specific outcome.
SAMPLE
Illustrative Review — USF / Tampa
3-Bedroom Townhome · 1.2 miles from campus
Sample Purchase Price
$384,000
Illustrative — varies by property
Monthly Ownership Est.
$2,499/mo
Sample P&I + Tax + Insurance
Est. Roommate Income
$870/mo
2 roommates at sample rent
Net Monthly Difference
$1,629/mo
Ownership cost minus roommate contribution
4-Year Rent Avoided
$69,600
Sample at median rent × 48 months
After-Graduation Options
Sell · Refinance · Hold
Review with local advisor
This is a sample illustration. It is not a real property review, not a financial projection, and not a guarantee of any specific outcome. Every property requires its own analysis with a licensed professional.
Local Professionals
Connect directly with independent professionals serving parents, investors, and property owners in the University of South Florida housing market.
Real EstateFinancingProperty ManagementInsurance
REAL ESTATE
Realtor Position Available
Realtor
Local real estate guidance for parents, investors and sellers evaluating homes and investment properties near campus.
- Parent and student housing purchases
- Campus-area investment properties
- Local listings and property sales
View Real Estate Profile
FINANCING
Matt Dean
NEXA Lending
Sr. Loan Officer · NMLS 227603
Financing guidance for parent purchases, second homes and investment properties near campus.
- Parent-purchase financing
- DSCR and investor loan options
- Refinance and equity reviews
PROPERTY MANAGEMENT
Lisa Martinez
Bull Campus Property Management
Leasing and Property Management
Local leasing and property-management support for owners of campus-area rental properties.
- Tenant screening and leasing
- Rent collection and maintenance
- Move-in and move-out coordination
INSURANCE
Insurance Professional Placement Available
Available for a Qualified Local Insurance Professional
Insurance Agent
Insurance reviews for parent-owned homes, condos and rental properties near campus.
- Homeowners and condo coverage
- Landlord and rental-property policies
- Flood, liability and umbrella considerations
Each professional listed is an independent business or licensed professional. CollegeHousing.ai does not endorse, employ or guarantee the services of any provider. Review qualifications, services and terms directly with the professional.
Additional Services
Need help with another part of the move or ownership process? Tell us what you need and CollegeHousing.ai will route the request appropriately.
LOCAL SERVICES
Local Service Help
Tell us what service you need and we will route the request based on the University of South Florida market and current provider availability.
Request Local Service HelpMOVING & STORAGE
Moving and Storage Help
Share your moving or storage needs and we will route the request when an appropriate local provider is available.
Request Moving or Storage HelpProfessional partner information is available on the Partner With Us page.
Start Your Review
Ready to evaluate USF-area housing?
Whether you're a parent comparing rent vs. buy, an investor reviewing cash flow, a seller evaluating options, or a borrower checking financing — start with a no-obligation market review.
Independent platform. Not affiliated with or endorsed by University of South Florida. Review is educational — not a financial guarantee.
Request a University of South Florida / Tampa review
Tell us what you're evaluating, and we'll connect you with the right conversation.
Sponsored providers are independent third parties. CollegeHousing.ai may receive compensation for placement where permitted. CollegeHousing.ai is not a university housing office, real estate brokerage, lender, loan originator, insurance agency, property manager, moving company, internet provider, law firm, or tax advisor. Users should verify licensing, pricing, coverage, availability, and terms directly with each provider.
Guides Worth Reviewing
Related College Housing Guides
Use these guides to review housing decisions near University of South Florida before comparing properties, financing, rental demand, or local expert options.
Market GuideWhy 1, 3, and 5 Miles From Campus Matter
See how distance from campus affects walkability, rent demand, parent-buyer demand, student-rental demand, resale, and financing considerations.
Best for: Users comparing neighborhoods around a university.
Parent GuideParent Rent-vs-Buy Guide for College Housing
Compare four years of rent with ownership near campus, including roommate contribution, financing structure, resale timing, and after-graduation options.
Best for: Families deciding whether buying near campus deserves a serious review.
Investor GuideCampus Rental Cash-Flow Checklist
Review purchase price, rent-by-room income, expenses, management, turnover, lease timing, DSCR fit, and exit strategy before buying.
Best for: Investors evaluating student-rental numbers.
Realtor GuideWhy Local Realtors Matter in College Housing Markets
Understand why campus neighborhoods, student-rental demand, lease cycles, property type, local rules, and resale patterns require local market expertise.
Best for: Users who need local property guidance near a specific school.
Ready to review a real campus-area property decision?
Choose the school, confirm the housing path, and connect with the right local real estate, financing, or property-management review.