Tampa - FL vs Kansas City - MO: 2026 Housing Comparison

What this means for buyers

Tampa - FL is roughly 10% more expensive than Kansas City - MO in typical home value. Homes sit on market longer in Tampa - FL (41 days vs 11), suggesting more buyer leverage there.

Tampa vs Kansas City: what the numbers say

At today's 7.24% average 30-year rate with 20% down, the typical home would cost about $1,946 a month in principal and interest in Tampa and $1,771 in Kansas City, a gap of $174 a month.

Typical rent runs $1,991 in Tampa and $1,534 in Kansas City, so the mortgage payment alone is 1.0 times rent in Tampa and 1.2 times rent in Kansas City, before taxes and insurance.

Home prices are 14.9 years of rent in Tampa and 17.6 in Kansas City; the lower ratio in Tampa means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -6.8% in Tampa and +6.0% in Kansas City; over just the last three months the change was -0.0% in Tampa and +1.1% in Kansas City.

Homes sell for 97.0% of list price in Tampa and 100.1% in Kansas City, after 41 and 11 days on the market, with price cuts on 31% and 32% of listings. The signs are mixed: Tampa has longer time on the market and sales further below list, while Kansas City has more price cuts.

The number of homes for sale is down 7% on a year ago in Tampa and up 1% on a year ago in Kansas City.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-29), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.