LOCAL REALTOR
Julia Wright
REALTOR, Keller Williams Tampa Properties
USF guidance
USF TAMPA, FL
Buying a Home Near USF
for Your Student
Compare the published sale inventory near University of South Florida, school-specific housing answers and your complete housing plan.
Enter rentStarting rent assumptionEditable scenario
Build scenario4-year rent baselineEditable scenario
$367,450Median asking priceCurrent displayed sale inventory
4Published propertiesCurrent client inventory
Use current published property data and your own editable assumptions. Confirm exact costs, availability, financing and campus route before acting.Run the USF Rent vs. Buy Scenario →
The 4-Year USF Ownership Scenario
Use the same time horizon to compare rent with ownership. Start with the displayed asking price, your down payment and financing assumptions, then add property taxes, insurance, association fees and the expected exit plan before deciding.
ILLUSTRATIVE CALCULATOR EXAMPLE
Compare three four-year housing scenarios
Use this example to plan housing near University of South Florida. These are the existing calculator’s hypothetical inputs, not local market medians, current loan quotes or a forecast. The same purchase is compared with no roommate and with an assumed $1,000 monthly contribution.
Compare the full cost over the same 48 months. A roommate contribution reduces the modeled cash cost; it does not change the mortgage or guarantee rental income. The sale proceeds include returned invested equity, so they are not profit.
| Cost or outcome | A: Rent | B: Buy, no roommate | C: Buy, one hypothetical roommate |
|---|---|---|---|
| Initial monthly housing cost | $3,500 | $6,117 | $5,117 |
| Cash at purchase: down payment + buying costs | Not applicable | $175,950 | $175,950 |
| Four-year rent payments | $173,108 | Not applicable | Not applicable |
| Annual roommate contribution | $0 | $0 | $12,000 |
| Four-year roommate contribution | $0 | $0 | $48,000 |
| Mortgage principal repaid in four years | Not applicable | $28,943 | $28,943 |
| Sale proceeds after selling costs and remaining mortgage | Not applicable | $195,320 | $195,320 |
| Modeled four-year net housing cost after resale | $173,108 | $274,240 | $226,240 |
See every modeled assumption
- Purchase price
- $765,000
- Down payment
- 20%
- Fixed interest rate
- 6.75%
- Loan amortization
- 30 years
- Comparison period
- 4 years / 48 months
- Initial rent
- $3,500/month
- Annual rent increase
- 2%
- HOA
- $670/month
- Property tax
- $10,192/year
- Insurance
- $1,800/year
- Maintenance reserve
- 0.75% of purchase price/year
- Annual price change
- 2%
- Buying costs
- 3% of purchase price
- Selling costs
- 6% of modeled sale price
- Hypothetical roommate contribution
- $1,000/month for all 48 months
Net ownership cost = cash at purchase + 48 months of carrying costs − sale proceeds after selling costs and mortgage repayment. Principal repayment is already included; it is not subtracted again. Taxes, insurance, HOA, maintenance and the roommate contribution are held constant. Rent increases once per year.
The rent example is off-campus housing only; it is not a dorm or meal-plan comparison. Utilities, rental deposits and move-in fees, mortgage insurance, tax effects, investment returns on cash, vacancy, unpaid rent and unexpected assessments are excluded. Roommate permission and financing eligibility require separate review. Change the assumptions in the interactive calculator before relying on a result.
Method references: CFPB mortgage amortization · closing costs and cash to close · renting, equity and selling costs. These explain the method, not the hypothetical amounts.
JULIA WRIGHT · KELLER WILLIAMS TAMPA PROPERTIES
Featured Homes Near USF
Saved sale observations from the published USF inventory. Each card identifies its listing source; Julia Wright provides local real estate guidance.
$119,000 Condo
2 beds · 2 baths · 912 sq ft
Campus access · ~1.0 mi straight-line to USF*$699,000 Single Family
4 beds · 3 baths · 3,004 sq ft
Campus access · ~2.3 mi straight-line to USF*$600,000 Single Family
3 beds · 2.5 baths · 2,516 sq ft
Campus access · ~2.8 mi straight-line to USF*$134,900 Residential
2 beds · 1 bath · 832 sq ft
Campus access · ~1.1 mi straight-line to USF*Swipe, scroll or use the arrows to browse.Supporting photos are listing-source images.
Source checked. Current published sale listings are shown with their source attribution. Confirm availability and the exact campus route before acting.
University of South Florida · MARKET CONTEXT
Put the purchase in context.
University demand and local housing benchmarks, with the location and reporting period kept beside each number.
- Total students
- 49,875
University of South Florida institution · Fall 2025
University of South Florida Office of Decision Support ↗University & housing details Definitions, dates and sources
City median sale price $474,757
Median sale price for the cited city housing market; not a campus-only or student-property price.
Tampa, FL · 2026-07 · Checked 2026-09-07Saved school cost intelligence ↗1 bedroom rent reference $1,654/mo
Saved source-specific rental reference. Scope is the cited city or off-campus market guide; not median rent, per-bed rent, or a live quote.
Tampa, FL · 2026-09 · Checked 2026-09-07Saved school cost intelligence ↗Total students 49,875
USF student body / total university enrollment as of Drop/Add Fall 2025
University of South Florida institution · Fall 2025 · Checked 2026-08-31T01:03:02-04:00University of South Florida Office of Decision Support ↗City sale-price change 5.5%
Year-over-year change paired with the saved city median sale-price series.
Tampa, FL · 2026-07 · Checked 2026-09-07Saved school cost intelligence ↗Studio rent reference $1,614/mo
Saved source-specific rental reference. Scope is the cited city or off-campus market guide; not median rent, per-bed rent, or a live quote.
Tampa, FL · 2026-09 · Checked 2026-09-07Saved school cost intelligence ↗2 bedrooms rent reference $1,992/mo
Saved source-specific rental reference. Scope is the cited city or off-campus market guide; not median rent, per-bed rent, or a live quote.
Tampa, FL · 2026-09 · Checked 2026-09-07Saved school cost intelligence ↗3 bedrooms rent reference $2,402/mo
Saved source-specific rental reference. Scope is the cited city or off-campus market guide; not median rent, per-bed rent, or a live quote.
Tampa, FL · 2026-09 · Checked 2026-09-07Saved school cost intelligence ↗Undergraduate students 37,517
Undergraduate enrollment, USF 2025-26 Pocket Fact Book
University of South Florida institution · Fall 2025 · Checked 2026-08-31T01:03:02-04:00University of South Florida Office of Decision Support ↗Graduate / professional students 10,314
Graduate enrollment, USF 2025-26 Pocket Fact Book
University of South Florida institution · Fall 2025 · Checked 2026-08-31T01:03:02-04:00University of South Florida Office of Decision Support ↗First-year students 3,780
Number of new first-time-in-college (FTIC) students, Fall 2025
University of South Florida institution · Fall 2025 · Checked 2026-08-31T01:03:02-04:00University of South Florida Office of Decision Support ↗First-year students in campus housing 56.9%
New FTIC students residing in on-campus housing
University of South Florida institution · Fall 2025 · Checked 2026-08-31T01:03:02-04:00University of South Florida Office of Decision Support ↗Campus housing requirement No
Freshmen / first-year students
University of South Florida institution · Current 2026 admissions guidance · Checked 2026-08-31T01:03:02-04:00University of South Florida Undergraduate Admissions ↗Campus housing guarantee No
USF states that on-campus housing is limited and some incoming students may be placed on a standby list; continuing-student guidance explicitly states that applying does not guarantee a room.
University of South Florida institution · 2026-27 housing cycle · Checked 2026-08-31T01:03:02-04:00University of South Florida Undergraduate Admissions ↗University figures and citywide housing data cover different populations and periods. They do not establish achievable rent, occupancy or investment returns for a specific property.
REAL HOMES. REAL NUMBERS. BRIGHTER FUTURES.
Homes near University of South Florida
Compare campus proximity, ownership costs and the four-year numbers — not just listing prices.
Available homes · Sorted by distance
1 / 4
$119,000
Tampa · 1.0 miles to USF
▱ 2 bedrooms ♙ 2 bathrooms ▦ 912 sq ft ⌂ Condo
Why this home surfacedclose to campus, lower purchase price within these results, roommate flexibility — then compare the full ownership cost and post-graduation plan.
Current published selection · last checked 2026-10-15. Confirm prices and availability. Distances are straight-line to campus.
Work with local experts
Get guidance from professionals who know USF and the surrounding neighborhoods.
Julia WrightUSF RealtorLocal advice. Local insight. Better outcomes.
Matt DeanLoan Officer, NEXACreative financing for college home buyers.
◷ Dated listing snapshots · confirm availability⌖ No addresses shown△ Work with a local expert for availability↕ Estimated costs. Your results may vary.We use AI to route intent, not replace professionals.
CHOOSE YOUR USF PLAN
Start with the decision you’re actually making.
Use the same USF market evidence, then follow the path that matches your goal.
⌂
Buying for your student?
Turn a housing decision into a four-year plan you can actually compare.
- Compare rent vs. buy with the same housing assumptions
- Model roommate contributions without depending on them
- Review parent financing questions and cash needed
- Plan the exit after graduation
▥
Investing near USF?
Compare a property’s rent evidence, operating costs, financing and exit plan.
- Review current listing and rent evidence
- Compare expenses, vacancy and management assumptions
- Confirm occupancy, building and rental rules
- Use DSCR and financing review where eligible
USF MARKET AT A GLANCE
Recorded USF-area asking prices, at a glance.
Saved source snapshot dated 2026-10-15. Confirm current availability and prices with each listing source.
DATED SOURCE SNAPSHOT$119,000 – $699,000Homes for saleRecorded sale asking-price range · 2026-10-15
DATED SOURCE SNAPSHOTNot suppliedRental listingsNo rental listings in this dated source snapshot
Homes for sale4 recorded sale listings · 2026-10-15
Rental listings0 rental listings supplied · 2026-10-15
How to use this
These ranges are a starting point—not a valuation. Compare the exact taxes, HOA, insurance, financing and campus route for the home you choose.
COMPARE USF NEIGHBORHOODS
Compare USF neighborhoods by route and property type.
These are retained source-linked area contexts. Citywide contexts do not establish neighborhood-specific inventory or commute times. Area photographs are shown only when separately supplied.
Area photograph unavailable
University Square
Compare this area with the actual campus route and your full ownership costs.
No priced purchase listings in the published sampleExplore University Square →Area photograph unavailable
Terrace Park
Compare this area with the actual campus route and your full ownership costs.
No priced purchase listings in the published sampleExplore Terrace Park →
Tampa Palms
Compare this area with the actual campus route and your full ownership costs.
No priced purchase listings in the published sampleExplore Tampa Palms →
New Tampa
Compare this area with the actual campus route and your full ownership costs.
No priced purchase listings in the published sampleExplore New Tampa →Tampa Palms around Compton Drive · January 2023 aerial photograph Photo: USDA NAIP, served by USGS The National Map · Source · Public domain · USGS provider-rendered natural-color JPEG export from locked NAIP raster; 900 by 600 meter Web Mercator bounding box at 960 by 640 pixels. JPEG bytes preserved; CSS contain displays complete frame; no content edits. · New Tampa · 2013 photograph Photo: Evan Nichols (Virtua… (source display) · Source · CC BY 3.0 · Publisher-provided JPEG thumbnail bytes preserved; CSS cover crop only.
LOCAL GUIDANCE
Take the property and the numbers to the people who can help you act.
Keep the home, neighborhood context and financing assumptions together so you do not have to restart the decision.
LOCAL REAL ESTATE
Work with Julia
USF-area property context, neighborhood tradeoffs, current listings and the plan after graduation.
- Property and neighborhood review
- Current listing context
- Guidance for parents and investors
FINANCING PLANNING
Get financing guidance with Matt
NEXA Lending · NMLS #227603. Start with a state-aware review of the property, occupancy and financing scenario.
- Parent-buyer financing questions
- DSCR and investor scenarios where eligible
- Applicable licensing confirmed before application
Local expertiseOne trusted market team
Smarter decisionsData, not guesswork
Real opportunitiesCurrent property inventory
Long-term valueFor families and investors
MOVING FOR WORK
Faculty & staff housing near USF
Compare buying, renting, neighborhoods and your commute to work.
Reviewed video · CollegeHousing.ai
See USF in context
Explore campus and the surrounding area through reviewed public videos, with source information and summaries.
Student-perspective campus tourVerified 2026-09-08
University Of South Florida Campus Tour | Tampa
A student-oriented walkthrough of the University of South Florida Tampa campus.
Videos remain hosted and played by their original publishers through YouTube. CollegeHousing.ai reviews relevance and adds independent housing context; no university affiliation or endorsement is implied. Open the reviewed USF video.