CALCMONEY // MORTGAGE // FL // TAMPA // 33609
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 33609 in Tampa, FL.
$920,000
$736,000
$5,921
$253,741/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $920,000 | $828,000 | $5,453 | $6,527 | 6.9% |
| 20% Down | $920,000 | $736,000 | $4,847 | $5,921 | 6.9% |
| 25% Down | $920,000 | $690,000 | $4,544 | $5,618 | 6.9% |
Total monthly includes principal & interest, property tax (1% annual), and estimated homeowners insurance. PMI not included.
Beach Park (ZIP 33609) sits within Tampa, Florida with a median home price of $920,000 — significantly above the Tampa city-wide median of $390,000. At 80% LTV, the typical loan of $736,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 33609 run 1% annually, adding $767 per month on the median home. Median household income in this neighborhood is approximately $162,000, placing the price-to-income ratio at 5.7x. Florida has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.