Mortgage lender in Pinellas County, FL

Buying in Pinellas County

Pinellas County, with its county seat in Clearwater, also takes in St. Petersburg, Largo, Pinellas Park, Dunedin and Tarpon Springs. Pinellas County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Florida, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Florida Housing Finance Corporation (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Pinellas County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Pinellas County: a built-out peninsula on the water

Pinellas is a peninsula between Tampa Bay and the Gulf, and it is almost fully built. Much of the housing dates from the 1950s through the 1970s, so the age of the roof, wiring and plumbing matters to insurers, and a large share of addresses, including the barrier islands and low-lying parts of St. Petersburg, are in a mapped flood zone.

We order the flood determination and ask for insurance quotes at the start, because they change the payment more than anything else here. Condominiums are common along the beaches and around downtown St. Petersburg; the association’s reserves and inspections are reviewed along with the buyer. Manufactured homes on leased land generally cannot be financed with a standard mortgage.

Pinellas County by the numbers

Median home value

$355,100 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.70% of home value a year: median tax bill $2,474 on a median value of $355,100 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Documentary stamp tax of 70 cents per $100 of the price (Florida Department of Revenue, documentary stamp tax)

Largest communities

St. Petersburg, Clearwater, Largo, Palm Harbor (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $355,100. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Florida

Closings in Florida are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Florida page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Pinellas County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Pinellas County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.