City comparison · 1,493 km apart

Austin vs St. Petersburg: which should you move to?

Austin or St. Petersburg? Housing, rent, crime, climate, income, taxes and transit, side by side, from each city's own published figures. Written for someone deciding where to live, not for a ranking.

Downtown across Lady Bird Lake
Texas · United States

Austin

Photograph: Downtown across Lady Bird Lake · Hensbread · CC BY 4.0 · source
The St. Petersburg skyline at sunrise
Florida · United States

St. Petersburg

Photograph: The St. Petersburg skyline at sunrise · Andrew Heneen · CC BY 4.0 · source
The short answer

A city of 1,002,632 people at the center of the fastest-growing metro of more than a million, and one of 264,033 across the bay from Tampa that lost residents in the year of Hurricanes Helene and Milton, both pricing in US dollars in states with no income tax, so the figures net directly. The prices are different instruments: Austin's is the Unlock MLS median of what sold in the city, $560,000 in August 2026, and St. Petersburg's is Zillow's typical home value for the city, $355,759 in June, its row in this site's Tampa Bay layer, as Tampa's is. On Zillow's index, the same measure in both, Austin stood at $497,418 in August, so the order holds. Mortgage, property tax and insurance come to about $4,041 a month in Austin at Freddie Mac's 7.03% and $2,742 in St. Petersburg at August's 6.67%, or $2,810 at the same rate, roughly 54% of Austin's median household income of $90,430 and 45% of St. Petersburg's $73,048. The tax rate runs the other way, about 1.76% of the price in St. Petersburg against 1.61%, and insurance is budgeted at $390 a month against $300 before any flood policy, which after Helene's record surge is the line to price first there. On the same FBI counts St. Petersburg has the higher violent crime, 502 offenses per 100,000 against 421, and the lower property crime and homicide, 2,059 against 3,093 and 9 homicides against 51. Choose Austin for technology work, higher pay, faster job growth and cheaper rent. Choose St. Petersburg to own for about $1,231 a month less at the same rate, for a 16.8 C January and no 100F days, and check the address's surge zone and a flood quote before anything else.

Population
MeasureAustinSt. PetersburgAdvantage
City population1,002,632 (2025)264,033 (2025)Not directly comparable
Metro population2,620,945 (2025)3,418,895 (2025)Not directly comparable
Five-year growth
Growth is pressure on rents and roads as much as it is opportunity, so it is reported without a winner.
4.6% (2020-2025)2.2% (2020-2025)Not directly comparable
01: Housing

What a home costs in each

The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.

Housing costs
MeasureAustinSt. PetersburgAdvantage
Benchmark home price
MLS® HPI or equivalent benchmark. Lower is treated as the advantage, which is the buyer's view rather than the owner's.
$560,000 (August 2026)$355,759 (June 2026)St. Petersburg
Detached house benchmark
St. Petersburg publishes a single house index rather than a composite, so the two rows repeat.
$527,943$355,759St. Petersburg
Apartment or condominium benchmark$355,596Not publishedNot directly comparable
Two-bedroom rent$1,812/mo (average, August 2026)$2,058/mo (median, June 2026)Austin
One-bedroom rent$1,421/mo$1,770/moAustin
Two-bedroom rent against median income
A year of two-bedroom rent as a share of the median household income below. A household paying the median rent out of the median income is a fiction, but it is the same fiction in both columns and it crosses currencies.
24.0% of a year's income33.8% of a year's incomeAustin
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$2,990/mo at 7.03%$1,831/mo at 6.67%St. Petersburg
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
6.2×4.9×St. Petersburg
Property tax on the benchmark home
The effective rate on market value, which is what the two rates have in common and what the Advantage column is decided on; the bills are in each city's own dollars.
$9,022/yr (1.611%, 2025)$6,248/yr (1.756%, 2025)Austin
Transfer tax on the benchmark home
Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving.
None$2,490 (seller pays)Austin
Rent control
A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better.
Forbidden by state lawForbidden by state lawNot directly comparable

Austin: About 1.61% of value for a homesteaded owner, worked out on the $560,000 median sale price. A house in the City of Austin and Austin ISD is taxed by five units for 2025, which add to 2.046485 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Austin ISD the state's $140,000, the City, Travis County and Central Health 20%, and Austin Community College 1% with a $5,000 floor. So Travis County levies 0.375845 per $100 on $448,000 after a $112,000 exemption, $1,684; City of Austin levies 0.524017 per $100 on $448,000 after a $112,000 exemption, $2,348; Austin ISD levies 0.9252 per $100 on $420,000 after a $140,000 exemption, $3,886; Austin Community College levies 0.1034 per $100 on $554,400 after a $5,600 exemption, $573; Central Health levies 0.118023 per $100 on $448,000 after a $112,000 exemption, $529. The five come to $9,019 a year, 1.61% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $11,460. These are the 2025 rates, the bills mailed in October 2025. For 2026 the City has adopted 0.579948, the county 0.38621, Central Health 0.132863 and ACC 0.103643, and Austin ISD has proposed 0.9184; on the same house those would come to about 1.67%. St. Petersburg: About 1.76% of what you pay for the house, which is lower than the 19.9197 mills St. Petersburg is charged, and the difference is Florida's homestead exemption rather than any assessment lag. The state assesses at full market value and a purchase resets the assessment to the price. What there is instead is an exemption: $25,000 of taxable value comes off for every taxing authority and a second slice comes off for all of them except the Pinellas County school board, which levies 6.2930 of the 19.9197. That second slice was $25,000 through the 2024 tax roll and has been adjusted for inflation every 1 January since, under the 2024 amendment to Article VII section 6 of the state constitution, so it is now somewhat more than $25,000. The figures here use the base amount, because the Department of Revenue sends the adjusted figure to the county property appraisers rather than publishing it. The difference is worth a few dollars a year on a bill, and the county property appraiser can tell you the amount in force. A homesteaded buyer's first-year bill is therefore about $6,248 on the $355,759 typical home value here. That 19.9197 is the figure Pinellas County publishes for this taxing district rather than a total assembled here, and St. Petersburg's own council sets 6.4525 of it. The exemption is not automatic: you file for it with the county property appraiser by 1 March of the year after you buy. The seller's tax bill is not a guide to yours. Save Our Homes caps a homesteaded property's assessed value at 3% growth a year, and that cap resets to full market value the January after the sale, so a long-tenured owner can be taxed on a fraction of what you will be taxed on for the same house. Ask the property appraiser what the assessment would be at your purchase price, not what the current bill is.

02: Crime and safety

How safe each city is, by the numbers it publishes

Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.

Crime
MeasureAustinSt. PetersburgAdvantage
Crime Severity Index
Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series.
Not publishedNot publishedNot directly comparable
Violent crime per 100,000421 (2025)502 (2025)Austin
Property crime per 100,0003,093 (2025)2,059 (2025)St. Petersburg
Homicides
Counts, not rates, and a single year in a small city moves a long way on chance alone. What each figure covers is under the table.
51 (2025)9 (2025)Not directly comparable
Austin

On the FBI's definitions, violent offenses in Austin went from 5,335 in 2022 to 5,046 in 2023, 4,692 in 2024 and 4,221 in 2025, a 10% drop in the last year and 21% in three, and property offenses from 35,035 to 32,900, 32,407 and then 31,011. APD's own NIBRS records for 2025 show aggravated assaults down 13% (3,038 to 2,652), robberies down 5% (835 to 790) and motor vehicle thefts down 26% (5,908 to 4,345), while rapes rose from 501 to 541 and drug offenses, which rise and fall with enforcement, went from 4,097 to 5,256. The 2025 CDE counts were read on 27 September 2026 from a feed last refreshed on 15 September and can still be revised, and APD notes that its open data may differ from its official figures.

What the rates cover: Computed: 4,221 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Austin Police Department (ORI TX2270100) in calendar 2025, divided by the 1,002,632 Vintage 2025 city population. On the CDE's own agency population of 1,000,639 the rate is 422. APD does not publish a total on this definition: its open NIBRS data sort offenses into crimes against persons (19,469 in 2025, of which 9,464 simple assaults and 5,918 intimidation) and crimes against property (44,250, with robbery, fraud and vandalism inside it), so neither of its totals is the FBI's violent or property count. Summing APD's own 2025 records on the FBI's definition gives 4,219, within two of the CDE.

Homicides: 51 murders and nonnegligent manslaughters in 2025 in both the FBI CDE and APD's open NIBRS data, against 66 in 2024, about 5.1 per 100,000 on the city population. APD's assistant chief put the year's homicides at 55 in January 2026 (KUT), and APD's dataset separately lists 14 negligent manslaughters and 7 justifiable homicides, which the FBI does not count as murder. The high point in the CDE series since 2021 is 81, in 2021.

St. Petersburg

Down, and clearly so in 2025. On the FBI CDE's annual totals violent offenses were 1,622 in 2022, 1,519 in 2023, 1,642 in 2024 and 1,325 in 2025, about 618, 573, 618 and 502 per 100,000 on each year's Vintage 2025 population, so 2025 was 19% below 2024 after three flat years. Property offenses fell from 7,052 in 2023 to 6,528 in 2024 and 5,437 in 2025, down 17% in the last year, with motor vehicle theft more than halved from 917 in 2023 to 407. The department's own figures agree in direction and nearly in count: it reported overall crime down 16% in 2025, 175 robberies against a five-year average of 224, and 406 auto thefts against an average of 735 (Patch). The CDE counts were read on 1 October 2026 from a feed last refreshed on 15 September and can still be revised.

What the rates cover: Computed: 1,325 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the St. Petersburg Police Department (ORI FL0521400) in calendar 2025, divided by the 264,033 Vintage 2025 city population. On the CDE's own agency population of 269,098 the rate is 492. That is close to Boston's 507 and Jacksonville's 514, above Tampa's 375.5 (on the Tampa Police Department's own counts) and Miami's 359, and almost four times Port St. Lucie's 130. The department reports to the CDE as annual totals rather than month by month, and the CDE carries a full year for each of 2022 to 2025 and nothing for 2021.

Homicides: 9 murders and nonnegligent manslaughters in 2025 in the FBI CDE, about 3.4 per 100,000 on the city population, against Tampa's 17 (4.1), Orlando's 10 (3.0) and Port St. Lucie's 4 (1.5). The department's own count, announced in January 2026, is 10 homicides, which it called the fewest since 1967, when the city had six, and 44% fewer than the 18 of 2024 (Patch, reporting the St. Petersburg Police Department). The CDE series is 16 in 2022, 13 in 2023, 18 in 2024 and 9 in 2025.

03: Climate

Winters, summers and what the weather can do to a house

Climate normals
MeasureAustinSt. PetersburgAdvantage
January mean11.2 °C16.8 °CNot directly comparable
July mean29.9 °C28.8 °CNot directly comparable
Precipitation a year921 mm1,185 mmNot directly comparable
Snowfall a year1 cm0 cmNot directly comparable
Sunshine a year2,644 hoursNot publishedNot directly comparable
Austin

NOAA NCEI 1991-2020 normals for Austin Camp Mabry (station USW00013958), the official Austin climate station: January mean 52.2F, July mean 85.8F, annual mean 70.0F, 36.25 in of precipitation, 0.2 in of snow. August is the warmest month at 86.5F, with a mean high of 97.8F; July's mean high is 96.6F and January's mean low is 41.8F. May (5.04 in) and October (3.91 in) are the wettest months, and February (1.89 in) and July (1.96 in) the driest. The normals count 122.8 days a year at 90F or above, 28.7 at 100F or above and 11.9 nights at or below freezing. Austin-Bergstrom International Airport (USW00013904), southeast of downtown, averages 50.1F in January and 84.5F in July with 35.57 in of rain, and its nights run colder, with 33.0 at or below freezing a year. Converted here to 11.2 C, 29.9 C, 921 mm and 0.5 cm. Sunshine hours are the older 1961-1990 NCDC means (2,644 hours, 60% of possible), since the 1991-2020 normals do not include sunshine.

Hazards: Flash flooding on the creeks that cross the city is the recurring danger. The Memorial Day flood of 1981 sent Shoal Creek through central Austin and killed 13 people. On 30 to 31 October 2013 a band of 12 to 14 in (305 to 356 mm) of rain between Wimberley and Driftwood, with 6 to 10 in (152 to 254 mm) over central Travis County, sent Onion Creek through southeast Austin, damaging more than 500 homes and killing five people; in 2014 the city authorized $60 million to buy out homes in the Onion Creek floodplain. Over Memorial Day weekend 2015 the Blanco River at Wimberley, upstream in Hays County, rose from about 5 ft to 41 ft (1.5 m to 12.5 m) in four hours overnight and destroyed 350 to 400 homes in the town, and on the holiday itself Camp Mabry recorded 5.20 in (132 mm) and Shoal Creek flooded again. On 4 to 5 July 2025, 15 to 20 in (381 to 508 mm) fell on the headwaters of Cow Creek and Big Sandy Creek northwest of the city; the Central Texas floods of that week killed 139 people, 18 of them in Travis, Williamson and Burnet counties. Heat is the season to plan around: the normals give Camp Mabry 28.7 days a year at or above 100F (37.8 C), and 2023 had 80, including 45 in a row from 8 July to 21 August that broke the 27-day run of 2011, which still holds the record for a year with 90. The station's highest reading is 112F (44.4 C), in September 2000 and again in August 2011. Cold is rare and badly handled when it comes. Winter Storm Uri left 6.4 in (16.3 cm) of snow at Camp Mabry on 14 to 15 February 2021 and a low of 7F (-13.9 C) on the 16th, the coldest there since December 1989 (the airport reached 6F, or -14.4 C), with 164 hours of freezing temperatures. ERCOT cut power across the state grid from 15 to 18 February, about 4.5 million customers lost it at the worst, more than 40% of Austin Energy's customers were without power and the city was under a boil-water notice for seven days. Texas counted 246 deaths from the storm, 28 of them in Travis County. Drought is the slow hazard. Austin's water depends on Lakes Buchanan and Travis, the Highland Lakes reservoirs LCRA manages; their combined storage fell to 42% in March 2024, when most of LCRA's downstream farm customers went without lake water, and the July 2025 rains took it from 51% to more than 95%. It stood at about 92% on 1 July 2026.

St. Petersburg

NOAA NCEI 1991-2020 normals for St. Petersburg Albert Whitted Airport (station USW00092806), the downtown waterfront airport about a mile east of the city's center, which is the station the brief names and has full temperature and precipitation normals: January mean 62.2F, July mean 83.8F, annual mean 74.7F, 46.65 in of precipitation. The airport's normals carry no snowfall, so the 0.0 in of snow stored here is the normal at the St. Petersburg cooperative station (USC00087886), at the same coordinates in NCEI's listing. August is the warmest month by two tenths of a degree at 84.0F, with a mean high of 89.8F; January's mean low is 55.3F. August (8.39 in) and July (7.49 in) are the wettest months, and June through September bring 29.33 in, 63% of the year; November (1.46 in) is the driest. The normals count 70.9 days a year at 90F or above, none at 100F and 0.1 nights at or below freezing. Converted here to 16.8 C, 28.8 C, 1,185 mm and 0 cm. The other stations bracket it: the cooperative station averages 62.1F in January and 83.9F in July with 52.48 in a year, and St. Pete-Clearwater International Airport (USW00012873), about 10 miles north and away from the bay, 61.6F and 83.1F with 53.62 in and 94.1 days at 90F. St. Petersburg's year is almost Tampa's (Tampa International's 62.0F and 83.8F); its January is level with Port St. Lucie's (62.3F), warmer than Orlando's (60.6F) and six degrees colder than Miami's (68.6F). Sunshine is not stored: Current Results' US city table, the source and 1961-1990 basis of the other US profiles' sunshine hours, lists Tampa (2,927 hours, at Tampa International) and no St. Petersburg station, and the 1991-2020 normals do not include sunshine; the city's nickname, the Sunshine City, rests on a Guinness record of 768 consecutive sunny days from 1967 to 1969 (Wikipedia), not on a measured annual total.

Hazards: Storm surge is the defining hazard, and 2024 showed how much of the city sits low. Hurricane Helene passed offshore on 26 September 2024 on its way to a Big Bend landfall, and the National Ocean Service tide gauge at St. Petersburg, the longest record in Tampa Bay, dating to 1947, measured 6.31 ft above mean higher high water, far above its previous record of 3.97 ft in Hurricane Elena in 1985 (National Hurricane Center). Twelve people drowned in the surge in Pinellas County, two of them in St. Petersburg and nine on the barrier islands from St. Pete Beach to Indian Rocks Beach, and Helene destroyed at least 419 homes in Pinellas and Hillsborough counties and did major damage to at least 18,512 structures (NHC). Albert Whitted recorded a gust of 82 mph that day. Two weeks later, on 9 October, Hurricane Milton came ashore at Siesta Key, about 35 miles south, as a Category 3; its track spared the bay a surge but not the rain or the wind. Albert Whitted measured 18.54 in (471 mm) on 9 October, the wettest day in its record since 2010, and the NHC gives the airport 18.88 in for the storm and a gust of 88 kt (101 mph); a volunteer gauge near the city recorded 20.40 in, the highest storm total anywhere in Milton's path. Milton tore most of the fabric roof off Tropicana Field (NHC) and toppled a construction crane onto a downtown office building that housed the Tampa Bay Times (Bay News 9). The Rays played the 2025 season at Steinbrenner Field in Tampa and returned on 6 April 2026 after repairs (Wikipedia). Wikipedia notes that neither storm made landfall in the city and that the last hurricane to strike it directly was in 1921. Heat is long rather than extreme: 70.9 days a year at 90F or above on the normals and none at 100F (37.8 C); Albert Whitted recorded 128 such days in 2024, the most in its record since 2010, and 94 in 2026 through 28 September. Frost is almost unknown on the waterfront: one night at 32F (0 C), on 18 January 2018, since 2010, and a lowest reading of 36F in 2026 on 1 February.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureAustinSt. PetersburgAdvantage
Median household income$90,430 USD (2024)$73,048 USD (2024)Austin
Unemployment rate3.7% (July 2026)4.8% (July 2026)Austin
Sales tax8.25%7%St. Petersburg
Top marginal income tax
Federal plus provincial or state. The American figure leaves out payroll taxes and the cost of health insurance, both of which a Canadian household covers through the tax it pays here.
37%37%Even
Income tax on $100,000, single filer
Computed from each jurisdiction's brackets at a single filer's $100,000 and rounded to the dollar, so a gap of a dollar is rounding rather than tax. Two cities in one province or state are shown as Even, because there the two cells describe the same tax and whatever separates them is method.
$13,449 USD$13,449 USDEven
Austin

BLS counted 1,421,700 nonfarm jobs in the Austin MSA in July 2026 (not seasonally adjusted), up 23,800 or 1.7% on the year. Mining, logging and construction grew fastest (+5.5%), then professional and business services (+3.2%), the largest sector at 294,600 jobs, and other services (+2.7%), while information shrank 4.9% and government, at 201,000 jobs with the state capital and the University of Texas inside it, was flat. The seasonally adjusted series (FRED AUST448NA) was 1,424,000 in August 2026, 1.2% above August 2025. Average weekly wages across the metro were $1,957 in the first quarter of 2026 against $1,654 nationally. Opportunity Austin, the chamber's economic development program, lists Dell Technologies, Apple, Samsung Austin Semiconductor, Tesla, H-E-B, Amazon's fulfillment centers, the State of Texas, the University of Texas, Ascension Seton, St. David's HealthCare and Baylor Scott & White among the employers with 6,000 or more local jobs. bls.gov answered 403 to curl and FRED refused it, so both were read through the web fetcher.

Main sectors: Professional and business services, the metro's largest sector, Technology and advanced manufacturing (Dell Technologies, Apple, Tesla, Samsung Austin Semiconductor, AMD, Applied Materials), Government and education (the state capital, the University of Texas at Austin, the City of Austin), Trade, transportation and utilities (H-E-B, Amazon fulfillment centers), Health care (Ascension Seton, St. David's HealthCare, Baylor Scott & White).

Property tax is the local levy that matters. Tax Foundation puts Texas's effective property tax rate on owner-occupied homes at 1.40%, and school districts must exempt $140,000 of a homestead's value from their tax, plus another $60,000 for owners 65 or older or disabled, after voters raised the general exemption from $100,000 in November 2025. Part of the City of Austin's own rate, 8.75 cents per $100 of taxable value approved with Project Connect in November 2020, pays for the transit program. In November 2025 Austin voters rejected Proposition Q, a city tax rate increase that would have raised nearly $110 million, by 63% to 37%. The county, school district and other levies on the same bill belong to the housing layer.

St. Petersburg

BLS counted 1,559,600 nonfarm jobs in the Tampa-St. Petersburg-Clearwater MSA in August 2026 (not seasonally adjusted, preliminary), up 14,200 or 0.9% on the year. Private education and health services added the most (+9,700, or 3.8%, to 264,400), then professional and business services (+6,000, or 2.1%, to 288,800) and construction (+1,600, to 99,600), while information lost 1,700 (-5.6%, to 28,600) and federal employment 1,000 (to 30,900). The city's own employment picture is a headquarters town's: the ten principal private employers in its 2025 financial report, led by Raymond James (4,800), Johns Hopkins All Children's (2,800), Power Design and Jabil (1,700 each), employ 17,837, or 12.5% of the 147,705 people working in the city, against 20,300 for the 2016 list, which then included HSN, FIS and Bayfront Medical. Much of the commercial activity is in the Gateway area in the city's north, which it shares with Pinellas Park (Wikipedia). Unlike Port St. Lucie, most residents work in their own county: 14% of the city's workers (20,739 of 144,736) worked outside Pinellas County in 2024, 21.3% worked from home, and the mean commute for the rest was 25 minutes, with 5% spending an hour or more (ACS 2024 1-year, B08007, B08013, B08301 and B08303).

Main sectors: Finance and insurance: Raymond James, headquartered in the city and its largest private employer with 4,800 staff, Franklin Templeton (1,200) and the credit union service organization PSCU (800), in a metro with 142,400 financial activities jobs in August 2026, Health care: Johns Hopkins All Children's Hospital (2,800 staff), BayCare's St. Anthony's Hospital (1,437), HCA (1,350) and Orlando Health Bayfront Hospital, in a metro sector (private education and health services, 264,400 jobs) that added 9,700 jobs over the year, Manufacturing and engineering: Jabil, the electronics manufacturer headquartered in the city (1,700), Catalent Pharma Solutions (800) and Power Design, an electrical contractor (1,700), Utilities: Duke Energy Florida, headquartered in the city (1,250 staff), Tourism, arts and sports: the Dali Museum, the Pier, seven miles of public waterfront parks, the Rays at Tropicana Field and the IndyCar Grand Prix on downtown streets (leisure and hospitality, 167,300 metro jobs).

Property tax is the local levy that matters. Tax Foundation puts Florida's effective property tax rate on owner-occupied homes at 0.78%, and a homestead exemption takes as much as $50,000 off a permanent residence's taxable value, with the Save Our Homes limit on how fast its assessment can rise (Florida Department of Revenue). A St. Petersburg home paid 19.9197 mills for 2025 on the Pinellas County Tax Collector's published total, of which the city's own rate is 6.4525; a little above Tampa's 19.8428 in the same layer. On 17 September 2026 the City Council voted 6 to 2 to keep the city rate at 6.4525 mills for fiscal 2027, the rate it has levied since fiscal 2025, which is above the 6.3854-mill rolled-back rate and so needed a two-thirds vote; rising taxable values, about $39.3 billion, bring the city about $14.8 million more (St Pete Catalyst). Zillow's typical home value for the city was $355,759 in June 2026, down 3.9% on the year, and its typical rent $2,058; the bills, insurance and flood exposure that follow from them belong to the housing layer.

05: Getting around

Whether you need a car

Transit
MeasureAustinSt. PetersburgAdvantage
SystemCapMetro buses, including four CapMetro Rapid (formerly MetroRapid) lines, and the Red Line, a 32-mile, 10-station commuter rail line from Leander to downtown (CapMetro Rail, long branded MetroRail); no light rail yet, with Project Connect's first 9.8-mile phase due in 2033Pinellas Suncoast Transit Authority (PSTA), the countywide agency formed in 1984 from the St. Petersburg Municipal Transit System and the Central Pinellas Transit Authority: more than 34 bus routes including two express routes to Tampa, the Central Avenue and Suncoast Beach trolleys, and the SunRunner, Tampa Bay's first bus rapid transit line, which opened on 21 October 2022 from downtown St. Petersburg along First Avenues North and South to St. Pete Beach every 15 minutes (Wikipedia). The Cross-Bay Ferry between downtown St. Petersburg and downtown Tampa ran seasonally for eight seasons until its operator's contract ended after 2025, and PSTA bought two vessels in June 2026 to restart it (Wikipedia). There is no passenger rail: CSX's freight branch ends at a small yard northwest of downtown, the line into downtown having been abandoned in 2008.Not directly comparable
Commute by public transit3.0% (2024)2.1% (2024)Austin
Walk or cycle to work4.1% (2024)2.9% (2024)Austin
AirportAustin-Bergstrom International Airport (AUS), 21,666,852 passengers in 2025, 0.4% fewer than 2024's 21,762,904 and below the 2023 record of 22.1 million, per the airport's calendar-year activity report; 1.06 million of them were international. It sits about 5 miles southeast of downtown on the former Bergstrom Air Force Base and replaced Robert Mueller Municipal Airport in 1999.St. Pete-Clearwater International Airport (PIE), owned by Pinellas County about 9 miles north of downtown, handled a record 2,794,067 passengers in 2025, 13.6% more than 2024's 2,458,674, almost all of them on Allegiant Air, which uses it as an operating base (Wikipedia). Most of the city's air travel goes through Tampa International Airport (TPA), about 16 miles to the northeast across the Howard Frankland Bridge, which handled 24,811,007 passengers in 2025 (TPA, as in Tampa's profile). Albert Whitted Airport on the downtown waterfront serves general aviation.Not directly comparable
Austin

CapMetro carried 26,283,400 unlinked trips in 2025, 24,067,200 of them by bus and 620,600 on the Red Line, and about 77,400 a weekday in the second quarter of 2026, 1,900 of them by train (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). Two new CapMetro Rapid lines, 800 and 837, opened in February 2025 and reached 10-minute service in June 2026, and the Red Line gained McKalla Station in 2024, with North Burnet/Uptown Station due in 2027; the Green Line commuter rail project has no funding, environmental review or timeline. Light rail is the unfinished promise. Voters approved Project Connect in November 2020 with a city property tax increase of 8.75 cents per $100 of value, for about 20 miles of light rail reaching the airport at $7.1 billion (Texas Tribune). Its first phase is now 9.8 miles and 15 stations in three directions from downtown, no longer reaching the airport, at an estimated $8.2 billion or more; construction is set to start in 2027 and trains to run in 2033. The FTA gave it environmental clearance in January 2026, but the plan counts on about $4.1 billion in federal money that has not been awarded, and a lawsuit over the scaled-back project is still open.

St. Petersburg

PSTA carried 10,441,618 unlinked trips in 2025 on the National Transit Database's monthly ridership file (Federal Transit Administration), 8,888,290 of them on its buses and 769,551 on the SunRunner, with the rest on vanpools, demand-response service and a ferry. That is a little below the 11.94 million HART carried in Hillsborough (Tampa's profile, from APTA) for a county with less than two-thirds of Hillsborough's population, and well below PSTA's own peak of 14.6 million in 2014; ridership fell to 9.1 million in 2022 and has recovered to about 10.4 to 10.5 million in each of 2024 and 2025. The SunRunner carried 1,036,048 trips in 2023, its first full year, and 769,551 in 2025.

06: Daily life

Health care, schools and what each city is like

Austin

Health care

Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Texas is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF, August 2026). It had the highest uninsured rate of any state in 2024: 16.7%, or 5,152,427 of 30,799,312 people, against 8.2% nationally and 12.0% in Georgia, the next highest, on the ACS 2024 1-year estimates. The City of Austin's rate was 13.0% and Travis County's 12.6%. Ascension Seton runs Dell Seton Medical Center at The University of Texas, the teaching hospital of UT's Dell Medical School, in partnership with Central Health; it is the region's only adult Level I trauma center and serves 11 Central Texas counties. St. David's HealthCare, a partnership between HCA Healthcare and two local nonprofits, has more than 160 sites and calls itself the Austin area's fourth-largest private employer, and Baylor Scott & White joins both systems on the chamber's list of employers with 6,000 or more local jobs. UT and the Michael & Susan Dell Foundation are building the UT Dell Medical Center, with a new UT MD Anderson Cancer Center, beside Dell Seton on the former Frank Erwin Center site, to open in 2030; the UT System put the plan at $2.5 billion when it was announced in August 2023. This file did not verify a wait time figure for primary or specialist care.

Education

Austin ISD, which covers 230 square miles in the middle of the metro, counted 65,951 students in fall 2026, down 3,765 from 69,716 in 2025-26 and from 72,702 in 2024-25. More than 6,400 students enrolled at the end of last year did not return, and the district fell more than 2,000 short of its own projection (Austin Current, 24 September 2026); district officials told KUT that more than half of the 2025-26 loss could be attributed to families' fear of immigration enforcement, with housing costs and falling birth rates also named. In November 2025 the board approved closing and consolidating 10 schools from the 2026-27 school year, affecting 3,796 students and removing 6,319 seats, together with 24 turnaround plans the Texas Education Agency requires for campuses with repeated unacceptable ratings, adopted to head off state-ordered closures or a takeover. The University of Texas at Austin enrolled a record 55,000 students in fall 2025, 44,314 of them undergraduates, the largest total in its history.

Living there

Austin is the Texas state capital and a university town that has become a technology metro, and its growth has outrun what the city has built for it. The metro passed 2.6 million in 2025 after adding 337,554 people since April 2020, but the city grew by less than 5%, and in 2024-25 Travis County lost 6,590 more people to the rest of the country than it gained, so domestic movers now settle in Williamson and Hays counties instead. Inside the city a quarter of workers work from home, 57.5% drive alone and 3.0% take transit, and the one rail line carries about 1,900 riders a weekday. Summer sets the terms of daily life, with a July mean of 85.8F at Camp Mabry and about 29 days at 100F or more in a normal year, and the creeks that cross the city flood fast. Texas takes no income tax and has the highest uninsured rate of any state. The open question is whether Austin can build the transit and keep the schools its growth calls for: voters approved light rail in 2020, and six years later the first 9.8 miles are not due until 2033 and have no federal money, while Austin ISD, down more than 14,000 students in a decade, closed ten schools in 2026.

St. Petersburg

Health care

Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Florida is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF). Florida's uninsured rate was 10.9% in 2024 (2,509,782 of 23,038,464), against 8.2% nationally, on the ACS 2024 1-year estimates; the City of St. Petersburg's was 7.3% (19,374 of 263,881), below Port St. Lucie's 9.9%, Pinellas County's 9.0% and the metro's 10.0%. The city is the county's hospital center. Orlando Health Bayfront Hospital, the city's oldest, on the site of a five-room hospital of 1910, is Pinellas County's only Level II trauma center and has a Level III regional perinatal intensive care center and the Bayflite helicopter program (Wikipedia). Johns Hopkins All Children's Hospital, founded in 1926 and part of Johns Hopkins Medicine since 2011, has 259 beds and a Level I pediatric trauma center (Wikipedia). BayCare's St. Anthony's Hospital and HCA's hospitals are also among the city's ten largest private employers (City of St. Petersburg). This file did not verify a wait time figure for primary or specialist care.

Education

Pinellas County Schools, the countywide district, is shrinking: it reported more than 3,000 fewer students in 2025-26 than a year earlier (Bay News 9), its schools were 68% full against 87% ten years before, and in February 2026 the board voted to close two schools, Cross Bayou Elementary in Pinellas Park and Disston Academy in Gulfport, at the end of the 2025-26 year and to merge others (FOX 13). In higher education the city has the University of South Florida St. Petersburg, a downtown campus of about 6,500 students; Eckerd College, a private liberal arts college founded in 1958; St. Petersburg College, founded in 1927, a state college with four of its eleven campuses and centers in the city; and the Poynter Institute, the journalism school that owns the Tampa Bay Times (Wikipedia). Stetson University's law school is next door in Gulfport.

Living there

St. Petersburg is the smaller and older half of Tampa Bay's urban core: a city of 264,033 on the southern tip of the Pinellas peninsula, with more water than land inside its limits, connected to Tampa by the Gandy and Howard Frankland bridges and to Bradenton by the Sunshine Skyway. It was a railroad town before it was a resort (the Orange Belt Railway arrived in 1888 and the town was incorporated in 1892) and a retirement town for most of the twentieth century; its median age is still 43.0, the second-oldest of the Florida cities here after Port St. Lucie, though Wikipedia notes a younger turn since the Great Recession. Downtown is the draw, with the Dali Museum, the rebuilt Pier, seven miles of public waterfront parks, more than 600 murals and the Rays at Tropicana Field, who returned in April 2026 after Hurricane Milton tore off the roof but will leave: Hillsborough County voted 5 to 2 on 28 August 2026 to put $796 million toward a $2.3 billion stadium in Tampa for 2029 (WUSF). Its economy is a set of headquarters (Raymond James, Jabil, Duke Energy Florida) and hospitals (Johns Hopkins All Children's, Bayfront). The numbers set it apart from its Florida neighbors. It grew only 2.2% from 2020 to 2025 and lost residents in the year of the 2024 storms, in a county that is now losing people. Its median household income, $73,048, is $11,066 below Tampa's; its violent crime rate, 502 per 100,000 in 2025, is higher than Tampa's but falling, and its nine homicides were the fewest the police department has counted since 1967. It has the highest transit share of the Florida cities here outside Miami, at 2.1%. And it learned in 2024 what living in Tampa Bay costs: a record surge from Helene, which drowned twelve people in the county, and 18 inches of rain from Milton two weeks later.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, so the figures net directly, though the headlines are different instruments priced at different rates. Austin's is the Unlock MLS median of what sold inside the city, $560,000 in August 2026, 4.3% below a year earlier. St. Petersburg's is Zillow's typical home value for the city across all homes, $355,759 in June 2026, 3.9% below a year earlier; it is the City's row in this site's Tampa Bay layer, which measures Tampa, St. Petersburg and twenty-two other municipalities around the bay on the same series, and no sale median is used beside it. On Zillow's index, the like-for-like measure, Austin stood at $497,418 in August, so the order holds and the gap is about $141,700 rather than $204,241. At 20% down, Austin's $448,000 loan at 7.03%, Freddie Mac's rate for 24 September, costs about $2,990 a month, and St. Petersburg's $284,607 loan at 6.67%, the layer's August rate, about $1,831, or $1,899 at 7.03%. Property tax is $9,019 a year in Austin and about $6,248 in St. Petersburg with a homestead, 1.61% and 1.76% of the price, and insurance is budgeted at $300 and $390 a month, the St. Petersburg figure the layer's band for a coastal Tampa Bay address, inside the $3,900 to $5,500 a year its source gives for a single-family house in the city with wind cover, and neither with a flood policy in it. The three lines come to about $4,041 and $2,742, roughly 54% and 45% of each city's 2024 median household income; at 7.03% St. Petersburg's would be about $2,810. Of the $1,299 gap about $1,159 is the mortgage, $68 of it the difference in rates, and $231 the property tax, less the $90 a month more St. Petersburg pays in insurance. Renting runs the other way. Zillow's observed rent index, the same measure in both, was $2,058 in St. Petersburg in June 2026 and $1,586 in Austin in August, about 34% and 21% of median income, and RentCafe's August averages for Austin, a one-bedroom at $1,421 and a two-bedroom at $1,812, sit below this site's modeled split of St. Petersburg's index, $1,770 and $2,058. So owning is the cheaper way into St. Petersburg and renting the cheaper way into Austin.

The definitions match: both cities' figures are the FBI's summarized counts for 2025, divided by Census Vintage 2025 populations and read on 27 September and 1 October 2026. They split by line. St. Petersburg's 1,325 violent offenses come to 502 per 100,000 against Austin's 421 on 4,221, but its 5,437 property offenses come to 2,059 against 3,093 on 31,011. Homicide was 9 in St. Petersburg, about 3.4 per 100,000, against 51 in Austin, about 5.1; the St. Petersburg Police Department's own count is 10, which it called the fewest since 1967. One caution sits on St. Petersburg's figures: the department reports to the FBI as annual totals rather than month by month, and the FBI carries nothing for it for 2021, so its record runs from 2022. Both are falling. St. Petersburg's violent offenses were 19% below 2024 after three flat years, its property offenses fell 17%, and its motor vehicle thefts more than halved, from 917 in 2023 to 407. Austin's violent offenses dropped 10% in 2025 and 21% in three years, its murders fell from 66 to 51, and motor vehicle theft fell 26% in its own records. Both sets of counts come from a feed last refreshed on 15 September and can still be revised.

St. Petersburg has the warmer winter and the gentler summer, and its costly weather comes in off the bay. January averages 16.8 C at Albert Whitted Airport, on the downtown waterfront about a mile east of the city's center, against 11.2 C at Camp Mabry, with 0.1 nights a year at or below freezing against 11.9, and July 28.8 C against 29.9 C. Austin's normals count 122.8 days a year at 90F or above against 70.9, and 28.7 at or above 37.8 C (100F) against none. St. Petersburg's heat is long rather than extreme: Albert Whitted recorded 128 days at 90F or above in 2024, the most since 2010, where Austin had 80 days of 100F in 2023. St. Petersburg gets 1,185 mm of rain a year, 63% of it from June through September, against Austin's 921 mm, and no snow on the normals against 0.5 cm; no sunshine figure for St. Petersburg is on the 1961-1990 series behind Austin's 2,644 hours. The floods differ in kind. Austin's creeks rise within minutes: the Memorial Day flood of 1981 killed 13 people, and the Central Texas floods of July 2025 killed 139, 18 of them in Travis, Williamson and Burnet counties. St. Petersburg's water comes from the bay. Hurricane Helene passed offshore on 26 September 2024, and the tide gauge at St. Petersburg, with a record back to 1947, measured 6.31 ft above mean higher high water, against a previous record of 3.97 ft in Hurricane Elena in 1985; twelve people drowned in the surge in Pinellas County, two of them in St. Petersburg, and the City assessed 13,494 parcels afterward, recording 5,189 with major damage and 146 destroyed. Two weeks later Milton came ashore at Siesta Key, about 35 miles south, as a Category 3; Albert Whitted measured 18.54 in (471 mm) of rain on 9 October and a gust of 101 mph, and the storm tore most of the fabric roof off Tropicana Field. Neither storm made landfall in the city, and the last hurricane to strike it directly was in 1921. Cold is Austin's rare hazard. Winter Storm Uri took Camp Mabry to 7F (-13.9 C) in February 2021 while ERCOT cut power across the state grid, and Texas counted 28 of the storm's 246 deaths in Travis County. On St. Petersburg's waterfront frost is almost unknown: one night at 32F (0 C), on 18 January 2018, since 2010.

The two labor markets are close in size and apart in pace. BLS counted 1,421,700 nonfarm jobs around Austin in July 2026, 1.7% more than a year earlier, and 1,559,600 in the Tampa-St. Petersburg-Clearwater metro in August, 14,200 more, a gain of 0.9%; St. Petersburg holds 7.7% of that metro's people and shares it with Tampa across the bay. On the same unadjusted basis unemployment in July was 4.0% around Austin and 4.8% in Tampa Bay, against 4.4% nationally. Austin runs on technology, state government and the University of Texas, with Dell Technologies, Apple, Samsung Austin Semiconductor and Tesla among its largest employers, and its average weekly wage was $1,957 in the first quarter of 2026 against $1,654 nationally; the St. Petersburg profile carries no wage figure. St. Petersburg is a headquarters town: Raymond James, its largest private employer with 4,800 staff, Jabil and Duke Energy Florida have their headquarters in the city, Johns Hopkins All Children's Hospital employs 2,800 and Franklin Templeton 1,200. Private education and health services added the most jobs in its metro in the year, 9,700, while information lost 1,700. Most residents work close to home: 14% of the city's workers worked outside Pinellas County in 2024. City median household income was $90,430 in Austin and $73,048 in St. Petersburg in 2024, the latter with a margin of error of $4,441 either way, and the metros' $99,897 and $78,275. Neither state taxes income, so $100,000 pays $13,449 in federal tax in both for 2025, and sales tax is 8.25% in Austin, a full cent of it CapMetro's, against 7% in Pinellas County, whose last cent is the Penny for Pinellas, renewed to 2029. The property tax stacks are close in rate and apart in exemptions. Austin's five units add to 2.046485 per $100: the school district grants the state's $140,000 and nothing more, the community college 1% with a $5,000 floor, and Travis County, the City and Central Health 20% each. A City of St. Petersburg address pays 19.9197 mills, about 1.99 per $100: the City's 6.4525, the school board's 6.293, the county's general fund 4.5423, emergency medical services 0.805 and the transit district 0.73, with the health department, the planning council, the Juvenile Welfare Board and the Southwest Florida Water Management District making up the rest. Florida takes $25,000 off every levy and a second slice, $25,000 before the inflation adjustment it has carried since 2025, off all but the schools, which is less than Austin's exemptions take off a house this size. So on the same $355,759 house Austin's five units would charge about $5,256 against $6,248, and on $560,000 the St. Petersburg stack would charge about $10,316 against Austin's $9,019.

Neither is a transit city, and Austin has a little more of one. In 2024, 3.0% of Austin workers took transit and 4.1% walked or cycled, against 2.1% and 2.9% in St. Petersburg, the highest transit share of the Florida cities this site compares outside Miami; 57.5% of Austin's workers drove alone against 65.6%, and 24.8% worked from home against 21.3%. CapMetro carried 26,283,400 trips in 2025, 620,600 of them on the Red Line commuter rail, and two CapMetro Rapid lines reached 10-minute service in June 2026; its first 9.8 miles of light rail are due in 2033 at an estimated $8.2 billion or more and count on about $4.1 billion in federal money not yet awarded. The Pinellas Suncoast Transit Authority carried 10,441,618 trips across the county in 2025, about two-fifths of CapMetro's, 769,551 of them on the SunRunner, Tampa Bay's first bus rapid transit line, which has run every 15 minutes from downtown St. Petersburg to St. Pete Beach since October 2022. PSTA bought two vessels in June 2026 to restart the Cross-Bay Ferry to downtown Tampa, and there is no passenger rail. The airports differ more than the cities. Austin-Bergstrom, about 5 miles southeast of downtown, handled 21,666,852 passengers in 2025, 1.06 million of them international. St. Pete-Clearwater International, about 9 miles north of downtown St. Petersburg, handled a record 2,794,067, almost all of them on Allegiant, and most of the city flies from Tampa International, about 16 miles northeast across the Howard Frankland Bridge, which handled 24,811,007.

Coverage is a state problem in both, and Austin's is the larger. Neither Texas nor Florida has expanded Medicaid. Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of Austin's was 13.0%; Florida's was 10.9%, and the City of St. Petersburg's 7.3%, against 8.2% nationally. The hospitals differ in kind. Austin's anchor is Dell Seton Medical Center, the teaching hospital of UT's Dell Medical School and the region's only adult Level I trauma center, with a new UT MD Anderson Cancer Center due beside it in 2030. St. Petersburg is Pinellas County's hospital center: Orlando Health Bayfront Hospital is the county's only Level II trauma center and runs the Bayflite helicopter program, and Johns Hopkins All Children's Hospital has 259 beds and a Level I pediatric trauma center. Neither profile verified a wait time. The schools are shrinking in both. Austin ISD counted 65,951 students in fall 2026, 3,765 fewer than a year earlier, and closed or consolidated 10 schools. Pinellas County Schools, the countywide district, reported more than 3,000 fewer students in 2025-26 than a year earlier, its schools were 68% full against 87% ten years before, and its board voted in February 2026 to close two schools at the end of that year. The University of Texas enrolled a record 55,000 in fall 2025. St. Petersburg has the University of South Florida's downtown campus, with about 6,500 students, Eckerd College, St. Petersburg College and the Poynter Institute.

What people underestimate is that the cheaper house sits beside the costlier water, and that neither carry here includes it. Homeowners insurance does not cover flood, and in St. Petersburg flood is what Helene did: the City's own assessments found water in thousands of homes along the bay and almost none in the neighborhoods inland, so the exposure varies far more than the price, and the elevation certificate is the document that prices the policy. FEMA's substantial improvement rule reaches further than a premium. It covers any repair or improvement whose cost equals or exceeds 50% of the structure's market value before the work, and any house that has been substantially damaged, and the Tampa Bay layer notes it can force a full elevation on what looks like an ordinary repair. Austin's flood risk comes down its creeks, and an address in its extraterritorial jurisdiction may pay a utility district. Both bills reset on a sale: Save Our Homes caps a homesteaded Florida assessment at 3% a year and resets it to market value the January after a sale, the Texas 10% cap lapses on a sale too, and in both the exemption has to be filed, in Florida with the county property appraiser by 1 March of the year after you buy; without one the two would owe $11,460 in Austin and $7,087 in St. Petersburg. Closing differs. Texas has no transfer tax and no tax on the loan, and the Texas seller customarily buys the buyer's owner's title policy, $3,052 on Austin's median. Florida charges documentary stamp tax on the deed at 70 cents per $100, about $2,490 on St. Petersburg's typical value and the seller's by convention, and the buyer pays 0.55% of the loan in stamp and intangible tax, about $1,565 at 20% down. A condominium is a different budget again: this site estimates St. Petersburg's association fee at $700 a month against $350 in Austin, because no authority publishes a St. Petersburg average and its waterfront buildings span every vintage since the 1960s. And the populations run apart. Austin added 4,025 residents in 2024-25 and has grown 4.6% since 2020, while its metro grew 14.8%, the fastest of any metro of more than a million. St. Petersburg lost 1,822 in the year of the two storms, the third-steepest percentage loss of the 92 US cities of 250,000 or more, and has grown 2.2% since 2020, in a county where deaths have outnumbered births every year since 2020 and that lost 11,834 people in 2024-25. Its council kept the City's rate at 6.4525 mills for fiscal 2027 on a 6 to 2 vote, above the rolled-back rate, while Austin voters rejected a City tax increase by 63% to 37% in November 2025.

Austin

Better here

  • Nonfarm jobs grew 1.7% around Austin in the year to July 2026, to 1,421,700, against 0.9% in Tampa Bay, and unemployment was 4.0% against 4.8% on the same unadjusted basis.
  • Average weekly wages across the metro were $1,957 in the first quarter of 2026 against $1,654 nationally, and city median household income was $90,430 in 2024 against $73,048 in St. Petersburg.
  • Zillow's observed rent index was $1,586 in August, about 21% of median income, against $2,058 and 34% in St. Petersburg.
  • Violent crime ran 421 per 100,000 in 2025 against 502 in St. Petersburg, on the same FBI counts.
  • A homesteaded owner pays about 1.61% of the median in property tax against 1.76%, and insurance is budgeted at $300 a month against $390 for a coastal Tampa Bay address.
  • CapMetro carried 26,283,400 trips in 2025 against PSTA's 10,441,618, and Austin-Bergstrom handled 21,666,852 passengers, where St. Petersburg's own airport handled 2,794,067.

Worse here

  • Mortgage, property tax and insurance come to about $4,041 a month on the August 2026 median, roughly 54% of the city's median household income, against $2,742 and 45% in St. Petersburg, or $2,810 there at the same 7.03% rate.
  • Property crime ran 3,093 per 100,000 in 2025 against 2,059, and there were 51 homicides, about 5.1 per 100,000, against 9 and about 3.4 in St. Petersburg.
  • The normals count 28.7 days a year at or above 37.8 C (100F) against none in St. Petersburg, and 2023 had 80.
  • The City of Austin's uninsured rate was 13.0% in 2024 against 7.3% in the City of St. Petersburg.
  • Flash floods come within minutes: the Central Texas floods of July 2025 killed 139 people, 18 of them in Travis, Williamson and Burnet counties.
  • ERCOT's grid failed during Winter Storm Uri in February 2021, and Texas counted 28 of the storm's 246 deaths in Travis County.

Choose Austin if

  • you work in technology, semiconductors, state government or at the University of Texas
  • you rent, where Zillow's observed rent index was $1,586 in August against $2,058 in St. Petersburg
  • you want a job market adding jobs at twice Tampa Bay's pace, and a large airport about 5 miles from downtown
  • you would pay about $1,231 a month more to own at the same rate for the higher pay, and will plan around 100F summers and flash floods on the creeks

The Austin guide · Neighborhoods · Austin rent vs buy · Austin mortgage calculator

St. Petersburg

Better here

  • Mortgage, property tax and insurance come to about $2,742 a month on the June 2026 typical home, roughly 45% of the city's median household income, against $4,041 and 54% in Austin.
  • On Zillow's index, the same measure in both, the typical home was $355,759 in June 2026 against $497,418 for Austin in August.
  • Property crime ran 2,059 per 100,000 in 2025 against 3,093, and there were 9 homicides on the FBI's count, about 3.4 per 100,000, against 51; the department's own count of 10 was its fewest since 1967.
  • January averages 16.8 C with 0.1 freezing nights a year, against 11.2 C and 11.9 at Camp Mabry, and the normals count no days at 100F against 28.7.
  • The City of St. Petersburg's uninsured rate was 7.3% in 2024 against 13.0% in the City of Austin, and Johns Hopkins All Children's runs a Level I pediatric trauma center.
  • Sales tax is 7% against 8.25%, and the SunRunner runs every 15 minutes from downtown to St. Pete Beach.

Worse here

  • Violent crime ran 502 per 100,000 in 2025 against 421 in Austin, on the same FBI counts.
  • Zillow's observed rent index was $2,058 in June 2026, about 34% of median income, against $1,586 and 21% in Austin.
  • A homesteaded owner pays about 1.76% of the price in property tax against 1.61%, and insurance is budgeted at $390 a month with no flood cover in it.
  • Helene put 6.31 ft of surge above mean higher high water at the St. Petersburg tide gauge in 2024, against a previous record of 3.97 ft, and the City assessed 13,494 parcels afterward, 5,189 of them with major damage.
  • The city lost 1,822 residents in 2024-25, the third-steepest percentage loss of the 92 US cities of 250,000 or more, and Pinellas County Schools enrolled more than 3,000 fewer students in 2025-26.
  • The seller pays documentary stamp tax of about $2,490 on the typical value and the buyer about $1,565 in stamp and intangible tax on the loan, where Texas taxes neither the deed nor the loan.

Choose St. Petersburg if

  • you want to own at about $2,742 a month rather than $4,041
  • you want a 16.8 C January and no 100F days, and will buy on elevation and flood zone first
  • you work in finance, insurance, health care or engineering at one of the city's headquarters or hospitals, or work from home, as 21.3% of its workers do
  • you want a downtown on the bay with museums, parks and a bus rapid transit line, and will fly from Tampa International across the bridge

The St. Petersburg guide · Neighborhoods · St. Petersburg rent vs buy · St. Petersburg mortgage calculator

08: Questions people ask

Austin or St. Petersburg, in short

Is Austin or St. Petersburg cheaper to live in?

St. Petersburg, to own; Austin, to rent. Both cities price in US dollars, though the headlines are different instruments: the Unlock MLS median of what sold in Austin, $560,000 in August 2026, and Zillow's typical home value for St. Petersburg, $355,759 in June, the City's row in this site's Tampa Bay layer. On Zillow's index, the same measure in both, Austin stood at $497,418, so the order holds. The mortgage at 20% down is about $2,990 against $1,831, though Austin's uses September's 7.03% rate and St. Petersburg's August's 6.67%. Property tax is $9,019 a year against about $6,248 with a homestead and insurance $300 a month against $390, so the three lines come to about $4,041 in Austin and $2,742 in St. Petersburg, or $2,810 at the same 7.03%, roughly 54% and 45% of each city's median household income, $90,430 and $73,048. Neither includes flood cover. Zillow's observed rent index was $1,586 in Austin in August and $2,058 in St. Petersburg in June. Neither state taxes income, and sales tax is 8.25% in Austin against 7% in Pinellas County.

Is Austin or St. Petersburg safer?

It depends on the line, on figures built the same way. Both are the FBI's summarized counts for 2025 divided by Census estimates, read on 27 September and 1 October 2026. Violent offenses ran 502 per 100,000 in St. Petersburg against 421 in Austin, but property offenses 2,059 against 3,093, and homicide was 9 in St. Petersburg, about 3.4 per 100,000, against 51 in Austin, about 5.1. St. Petersburg's police counted 10 homicides in 2025, the fewest since 1967. Both are falling: St. Petersburg's violent offenses were 19% below 2024 and Austin's 10%. St. Petersburg reports to the FBI as annual totals, so its record starts in 2022. Every rate here is a count divided by a Census estimate rather than a published rate, and the counts can still be revised.

Which has the better job market, Austin or St. Petersburg?

Austin's, on growth, unemployment and pay, though the two metros are close in size. BLS counted 1,421,700 nonfarm jobs around Austin in July 2026, 1.7% more than a year earlier, and 1,559,600 in the Tampa-St. Petersburg-Clearwater metro in August, 0.9% more. On the same unadjusted basis unemployment was 4.0% around Austin and 4.8% in Tampa Bay in July. Austin's work leans on technology, semiconductors, state government and the University of Texas, and its average weekly wage was $1,957 in early 2026 against $1,654 nationally. St. Petersburg's leans on finance and insurance, with Raymond James, Franklin Templeton and Duke Energy Florida, on hospitals, and on Jabil's engineering, and 86% of its workers stay in Pinellas County. Median household income was $99,897 across the Austin metro in 2024 against $78,275 in Tampa Bay.

How much does flood risk change the comparison?

Enough to check before anything else, in both cities, and neither carry here includes flood insurance. In St. Petersburg the risk is surge: Helene put 6.31 ft above mean higher high water at the city's tide gauge in September 2024, far above the 3.97 ft record from 1985, twelve people drowned in Pinellas County, and the City assessed 13,494 parcels afterward, 5,189 of them with major damage and 146 destroyed. The exposure varies far more by address than the price does, the elevation certificate prices the policy, and FEMA's substantial improvement rule, which applies when work costs 50% or more of the structure's value, can force a full elevation on a repair. In Austin the risk is flash flooding on the creeks: the Central Texas floods of July 2025 killed 139 people, 18 of them in Travis, Williamson and Burnet counties. No flood premium is recorded on this site for either city, so get a quote on the address before comparing.

Sources

Where the figures come from

Housing figures are the ones behind each city's calculators, dated on those pages. The rest are listed here with the date they were retrieved. See the methodology for how facts, estimates and opinion are kept apart.

  1. Annual Estimates of the Resident Population for Incorporated Places in Texas: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved
    Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides, Character
  2. Annual Resident Population Estimates and Components of Change for Metropolitan and Micropolitan Statistical Areas and Their Counties: April 1, 2020 to July 1, 2025 (CBSA-EST2025-ALLDATA) · US Census Bureau · retrieved
    Supports: Metro population, Five-year growth, Character
  3. Crime Data Explorer summarized agency data, Austin Police Department (TX2270100): violent crime, property crime and homicide, 2021-2025 · FBI · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  4. NIBRS Group A Offense Crimes (Austin Police Department open data, updated 14 September 2026) · City of Austin Open Data · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  5. Austin's crime dropped below pre-pandemic highs in 2025 · KUT Radio, Austin's NPR Station · retrieved
    Supports: Homicides, Crime trend
  6. US Climate Normals 1991-2020, station USW00013958 Austin Camp Mabry (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, Climate hazards, Character, January 52.2F, July 85.8F and August 86.5F from the monthly series, and annual mean 70.0F, precipitation 36.25 in, snowfall 0.2 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  7. US Climate Normals 1991-2020, station USW00013904 Austin-Bergstrom International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals
  8. Global Historical Climatology Network daily summaries, Austin Camp Mabry (USW00013958), 1938-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 80 days at or above 100F in 2023 and 45 in a row from 8 July to 21 August, 90 in 2011 with a 27-day run, 112F on 5 September 2000 and 28 August 2011, 6.4 in of snow on 14 and 15 February 2021, 7F on 16 February 2021 and 4F on 23 December 1989, 5.20 in on 25 May 2015
  9. Global Historical Climatology Network daily summaries, Austin-Bergstrom International Airport (USW00013904), February 2021 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards
  10. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours
  11. This Holiday Weekend Marks The 40th Anniversary Of Austin's 1981 Memorial Day Flood · KUT Radio, Austin's NPR Station · retrieved
    Supports: Climate hazards
  12. October 30-31, 2013 Halloween Flash Flood Event · National Weather Service, Austin/San Antonio · retrieved
    Supports: Climate hazards
  13. Lower Onion Creek Flood Mitigation Buyout Project Gets Kudos from Homeowners · FEMA · retrieved
    Supports: Climate hazards
  14. 2015 Memorial Day Weekend Flooding, 23 to 24 May 2015 (Weather Event Summary) · National Weather Service, Austin/San Antonio · retrieved
    Supports: Climate hazards
  15. Tornado outbreak and floods of May 23 to 26, 2015 (Wimberley homes destroyed, Shoal Creek on May 25) · Wikipedia · retrieved
    Supports: Climate hazards
  16. National Weather Service releases new report on deadly Central Texas floods · KXAN Austin (via Yahoo News) · retrieved
    Supports: Climate hazards
  17. 2021 Winter Storm Uri After-Action Review, Findings Report · City of Austin and Travis County · retrieved
    Supports: Climate hazards
  18. February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved
    Supports: Climate hazards
  19. The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved
    Supports: Climate hazards
  20. Highland Lakes and Colorado River · Lower Colorado River Authority · retrieved
    Supports: Climate hazards
  21. Most LCRA agricultural customers will go without Highland Lakes water in 2024 · Lower Colorado River Authority · retrieved
    Supports: Climate hazards
  22. Drought persists in Central Texas, Water Management Plan under review · Community Impact · retrieved
    Supports: Climate hazards
  23. Water Supply Operations · Lower Colorado River Authority · retrieved
    Supports: Climate hazards
  24. ACS 2024 1-year tables B08301 and B19013 for Austin city and the Austin-Round Rock-San Marcos MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  25. ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Travis County and Austin city · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care, Character
  26. Unemployment Rate in Austin-Round Rock-San Marcos, TX (MSA), AUST448UR and AUST448URN · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  27. All Employees: Total Nonfarm in Austin-Round Rock-San Marcos, TX (MSA), AUST448NA · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  28. Austin Area Economic Summary · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate, Main sectors, Labour market
  29. Major Employers · Opportunity Austin (Austin Chamber of Commerce) · retrieved
    Supports: Main sectors, Labour market, Health care
  30. City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  31. Transit Sales and Use Tax (Austin MTA, effective July 1, 1985) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  32. Sales and Use Tax · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  33. Texas Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
  34. 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  35. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  36. Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved
    Supports: Tax notes
  37. Voters OK property tax breaks for Texas homeowners, businesses · The Texas Tribune · retrieved
    Supports: Tax notes
  38. Austin voters reject Proposition Q, a tax rate increase to fund city services · KUT Radio, Austin's NPR Station · retrieved
    Supports: Tax notes
  39. CapMetro (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership, Character
  40. CapMetro Rail (Red Line: Leander to Downtown, 32 miles, 10 stations) · Wikipedia · retrieved
    Supports: Transit system
  41. What's on track and behind schedule with Austin's transit expansion nearly 6 years later · KUT Radio, Austin's NPR Station · retrieved
    Supports: Transit system, Transit ridership, Tax notes, Character
  42. How Austin's Project Connect went off the rails · The Texas Tribune · retrieved
    Supports: Transit ridership, Character
  43. Aviation Activity Report, Calendar Year 2025 vs 2024, Combined Terminals · Austin-Bergstrom International Airport · retrieved
    Supports: Airport passengers
  44. Austin-Bergstrom International Airport (annual passenger traffic table and history) · Wikipedia · retrieved
    Supports: Airport passengers
  45. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  46. Dell Seton Medical Center · Wikipedia · retrieved
    Supports: Health care
  47. Dell Seton Medical Center at The University of Texas · Ascension Seton · retrieved
    Supports: Health care
  48. About St. David's HealthCare · St. David's HealthCare · retrieved
    Supports: Health care
  49. Building World-Class Health Care in Austin · Michael & Susan Dell Foundation · retrieved
    Supports: Health care
  50. Austin ISD Board approves 24 state-mandated turnaround plans, school consolidation and programmatic reassignments · Austin Independent School District · retrieved
    Supports: Education
  51. District Demographics · Austin Independent School District · retrieved
    Supports: Education
  52. Austin ISD enrollment dips as transportation costs rise · Austin Current · retrieved
    Supports: Education, Character
  53. Austin ISD loses 3,000 students amid school closures and budget crisis · KUT Radio, Austin's NPR Station · retrieved
    Supports: Education, Character
  54. UT Sets All-Time Highs for Enrollment and Student Performance · UT News, The University of Texas at Austin · retrieved
    Supports: Education
  55. Annual Estimates of the Resident Population for Incorporated Places of 50,000 or More (all states, SUB-EST2025) · US Census Bureau · retrieved
    Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides, Crime trend, Character, St. Petersburg city 258,358 (April 2020 base), 262,655 (2022), 264,921 (2023), 265,855 (2024) and 264,033 (2025); Pinellas County 948,563; Clearwater 114,364; national and Florida ranks and the 92 cities of 250,000 or more
  56. 2024 Gazetteer Files: Places (national) · US Census Bureau · retrieved
    Supports: point, City population, Climate normals, Airport passengers, Character, St. Petersburg city: 61.804 sq mi of land, 73.661 sq mi of water, internal point 27.762727, -82.644131
  57. St. Petersburg, Florida (history, geography, economy, arts, education, transportation) · Wikipedia · retrieved
    Supports: Climate normals, Climate hazards, Main sectors, Labour market, Transit system, Education, Character
  58. Crime Data Explorer summarized agency data, St. Petersburg Police Department (FL0521400): violent crime, property crime, homicide, rape, robbery, aggravated assault, burglary, larceny, motor vehicle theft and arson, 2021-2025 · FBI · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Character
  59. St. Pete Crime Rates Declined In 2025: Police · Patch · retrieved
    Supports: Homicides, Crime trend, Character, 10 homicides in 2025 against 18 in 2024, the fewest since 1967; overall crime down 16%; 175 robberies and 406 auto thefts against five-year averages of 224 and 735
  60. US Climate Normals 1991-2020, station USW00092806 St. Petersburg Albert Whitted Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Climate normals, Climate hazards, January 62.2F, July 83.8F and August 84.0F and the monthly highs, lows and rain from the monthly series, which carries no snowfall normal for this station, and annual mean 74.7F, precipitation 46.65 in, 70.9 days at 90F, 0.0 at 100F and 0.1 nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  61. US Climate Normals 1991-2020, station USC00087886 St. Petersburg (cooperative station) (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Annual snowfall, Climate normals, 0.0 in of snow (monthly and annual), January 62.1F, July 83.9F, 52.48 in of precipitation
  62. US Climate Normals 1991-2020, station USW00012873 St. Petersburg-Clearwater International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals, January 61.6F, July 83.1F, 53.62 in of precipitation, 94.1 days at 90F
  63. NCEI data search, normals-monthly-1991-2020 stations within 28.0N to 27.6N and 82.85W to 82.45W · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals, the stations with 1991-2020 normals in and around the city, including USW00092806 and USC00087886 at 27.7628N, 82.6261W
  64. Global Historical Climatology Network daily summaries, St. Petersburg Albert Whitted Airport (USW00092806), 2010-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 18.54 in on 9 October 2024 and a 101.1 mph gust; an 82.1 mph gust on 26 September 2024; 128 days at or above 90F in 2024 and 94 in 2026 through 28 September; 32F on 18 January 2018, the only reading at or below freezing since 2010; 36F on 1 February 2026
  65. Tropical Cyclone Report: Hurricane Helene (AL092024) · NOAA National Hurricane Center · retrieved
    Supports: Climate hazards, Character, 6.31 ft above MHHW at the St. Petersburg tide gauge (record since 1947; previous record 3.97 ft in Elena, 1985); 12 drowned in Pinellas County, 2 in St. Petersburg; at least 419 homes destroyed and 18,512 structures with major damage in Pinellas and Hillsborough
  66. Tropical Cyclone Report: Hurricane Milton (AL142024) · NOAA National Hurricane Center · retrieved
    Supports: Climate hazards, Character, Landfall at Siesta Key as a Category 3; Albert Whitted storm total 18.88 in and gust 88 kt; maximum storm total 20.40 in at a CoCoRaHS site near St. Petersburg; Tropicana Field's fabric roof ripped off
  67. Tropicana Field roof damaged by Hurricane Milton, downtown St. Pete crane snapped · Bay News 9 · retrieved
    Supports: Climate hazards
  68. Tropicana Field (Milton damage, 2025 season at Steinbrenner Field, return on 6 April 2026) · Wikipedia · retrieved
    Supports: Climate hazards, Character
  69. A new Rays stadium in Tampa gets clinching Hillsborough County approval · WUSF · retrieved
    Supports: Character
  70. ACS 2024 1-year tables B19013, B25003 and B08301 for St. Petersburg, Tampa and Port St. Lucie cities, Pinellas County, the Tampa-St. Petersburg-Clearwater MSA, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  71. ACS 2024 1-year tables B08007 (place of work), B08013 (aggregate travel time) and B08303 (travel time to work) for St. Petersburg city and Pinellas County · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Labour market
  72. ACS 2024 1-year table B01002 (median age) for St. Petersburg, Tampa, Port St. Lucie, Jacksonville, Miami and Orlando cities, the Tampa-St. Petersburg-Clearwater MSA and the US · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Character
  73. ACS 2024 1-year table B27001 (health insurance coverage) for St. Petersburg city, Pinellas County, the Tampa-St. Petersburg-Clearwater MSA, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care
  74. Local Area Unemployment Statistics, Tampa-St. Petersburg-Clearwater, FL MSA (LAUMT124530000000003), St. Petersburg city (LAUCT126300000000003) and Pinellas County (LAUCN121030000000003), not seasonally adjusted · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate
  75. Current Employment Statistics, Tampa-St. Petersburg-Clearwater, FL MSA: total nonfarm (SMU12453000000000001), construction (SMU12453002000000001), supersectors (SMU1245300xx00000001), retail trade and federal government (SMU12453009091000001) · US Bureau of Labor Statistics · retrieved
    Supports: Main sectors, Labour market
  76. FY2025 Annual Comprehensive Financial Report, Statistical Section: Principal Employers · City of St. Petersburg (filed with the Florida Auditor General) · retrieved
    Supports: Main sectors, Labour market, Health care, Character, Raymond James & Associates 4,800, All Children's Health 2,800, Power Design 1,700, Jabil Circuit 1,700, St. Anthony's Hospital 1,437, HCA Hospital 1,350, Duke Energy 1,250, Franklin Templeton 1,200, Catalent 800, PSCU 800; 17,837 or 12.45% of 147,705; the 2016 list of 20,300
  77. Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS) · Florida Department of Revenue · retrieved
    Supports: Sales tax, Pinellas 1%, February 1, 1990 to December 31, 2029
  78. Penny for Pinellas: frequently asked questions · Penny for Pinellas (Pinellas County) · retrieved
    Supports: Sales tax, first approved in 1989 and in effect from 1990; renewed on November 7, 2017 for 2020-2029 with 83% support; tourists and seasonal visitors estimated to pay a third
  79. Florida Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes
  80. Millage rates levied for 2025 taxes · Pinellas County Tax Collector · retrieved
    Supports: Tax notes, St Petersburg real estate total 19.9197 mills, of which the city 6.4525 (as carried in lib/metro-tampa/market.ts)
  81. St. Pete keeps property tax rate unchanged · St Pete Catalyst · retrieved
    Supports: Tax notes, 6.4525 mills for fiscal 2027 adopted 6-2 on 17 September 2026, above the 6.3854 rolled-back rate
  82. St. Pete holds property tax rate steady · St Pete Catalyst · retrieved
    Supports: Tax notes, taxable values of about $39.3 billion; ad valorem revenue up about $14.8 million; 6.4525 mills since fiscal 2025
  83. Zillow Home Value Index (ZHVI) and Observed Rent Index (ZORI), city files, June 2026 · Zillow Research · retrieved
    Supports: Tax notes, St. Petersburg $355,759, down 3.9% year over year, and rent $2,058, as carried in lib/metro-tampa/market.ts
  84. Monthly Module Adjusted Data Release, complete monthly ridership with adjustments and estimates (Pinellas Suncoast Transit Authority, NTD 40027) · Federal Transit Administration, National Transit Database (via data.transportation.gov) · retrieved
    Supports: Transit ridership, Transit system
  85. Pinellas Suncoast Transit Authority (history, routes, SunRunner, Cross-Bay Ferry) · Wikipedia · retrieved
    Supports: Transit system
  86. St. Pete-Clearwater International Airport (location, owner, airlines, annual passenger traffic 2024 and 2025) · Wikipedia · retrieved
    Supports: Airport passengers
  87. Orlando Health Bayfront Hospital · Wikipedia · retrieved
    Supports: Health care, Main sectors
  88. Johns Hopkins All Children's Hospital · Wikipedia · retrieved
    Supports: Health care, Main sectors
  89. Pinellas County School Board considers closing schools due to low enrollment · Bay News 9 · retrieved
    Supports: Education
  90. Pinellas County Schools move forward with closures, consolidations as enrollment declines district wide · FOX 13 · retrieved
    Supports: Education
  91. August 2026 Central Texas housing report · Unlock MLS · retrieved
    Supports: A median residential sale price of $560,000 in the City of Austin in August 2026, down 4.3% from August 2025, 844 homes sold, down 10.3%, 4,554 active listings and 4.6 months of inventory in the City of Austin, No split of the city figures by property type
  92. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $497,418 for the city of Austin (region 10221) in August 2026, $516,564 in August 2025, so a fall of 3.7% over the year
  93. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $527,943 in the city of Austin in August 2026, against $546,174 a year earlier, down 3.3%, A typical condominium value of $355,596 in the same month, against $375,347, down 5.3%, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
  94. Austin, TX average rent and rent trends · RentCafe / Yardi Matrix · retrieved
    Supports: An average Austin apartment rent of $1,641, down 2.25% from $1,678 a year earlier, updated 31 August 2026, Average rents of $1,287 studio, $1,421 one-bedroom, $1,812 two-bedroom and $2,405 three-bedroom
  95. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,586 for the city of Austin in August 2026, down 0.31% from $1,591 a year earlier
  96. Tax rates and truth-in-taxation rate table, all taxing units · Travis County Tax Assessor-Collector · retrieved
    Supports: 2025 adopted rates per $100: Travis County 0.375845, City of Austin 0.524017, Austin ISD 0.9252, Austin Community College 0.1034, Travis County Healthcare District (Central Health) 0.118023, 2026 adopted rates for Travis County (0.386210), the City of Austin (0.579948), ACC (0.103643) and Central Health (0.132863), and no adopted 2026 rate yet for Austin ISD
  97. 2026 exemption listing, Travis County taxing units · Travis Central Appraisal District · retrieved
    Supports: A residence homestead exemption of $140,000 for Austin ISD, with no local option, Local option homestead exemptions of 20% with a $5,000 minimum for Travis County, the City of Austin and the Travis County Healthcare District, and 1% with a $5,000 minimum for Austin Community College, The same exemptions in the 2025 listing, dated 25 July 2025
  98. Property tax rates · City of Austin Budget Office · retrieved
    Supports: A fiscal 2026 rate of 0.524017 per $100, maintenance and operations 0.410282 and debt service 0.113735, A fiscal 2027 rate of 0.579948 per $100, adopted on 12 August 2026
  99. Ordinance No. 20251120-006, reducing the fiscal 2025-2026 tax rate to the voter-approval rate · City of Austin · retrieved
    Supports: The Council adopted a rate above the voter-approval rate on 13 August 2025, which triggered an automatic election, Proposition Q did not win a majority at the 4 November 2025 election, The rate reduced to the voter-approval rate of $0.524017 per $100 under Tax Code section 26.07(e), effective 1 December 2025
  100. Notice about tax year 2026 property tax rates and impact statement · Austin Independent School District · retrieved
    Supports: A 2025 rate of 0.9252 per $100, maintenance and operations 0.8022 and debt service 0.1230, A proposed 2026 rate of 0.9184, maintenance and operations 0.7954 and debt service 0.1230
  101. Austin ISD claims victory in tax rate election · KUT News · retrieved
    Supports: Austin ISD's Proposition A passed on 5 November 2024 with about 58% of the vote, raising the district's rate 9.1 cents, from 0.8595 to 0.9505 per $100
  102. Travis County Prop A, affordable child care passes with majority of vote in 2024 election, unofficial results show · Community Impact · retrieved
    Supports: Travis County's Proposition A, a tax rate increase of 2.5 cents per $100 to fund child care, passed on 5 November 2024 with 59.43% of the vote, 321,043 to 219,141
  103. Truth-in-taxation rate table, all Travis County taxing units, 2022 to 2026 · Travis County Tax Assessor-Collector · retrieved
    Supports: Travis Central Health: a 2026 total rate of 0.132863 per $100, maintenance and operations 0.123603 and debt service 0.00926, against a no-new-revenue rate of 0.118633 and a voter-approval rate of 0.135195; a 2025 total rate of 0.118023, Travis County: a 2024 total rate of 0.344445 per $100 against a voter-approval rate of 0.319445, the 2.5 cents voters approved, Austin ISD: total rates of 0.8595 for 2023 and 0.9505 for 2024, and for 2026 a no-new-revenue and voter-approval rate but no total rate
  104. ACC approves new property tax rate for fiscal year 2025-26 · Austin Community College District · retrieved
    Supports: A 2025 rate of 0.1034 per $100
  105. Central Health board approves fiscal year 2027 tax rate and budget · Central Health (Travis County Healthcare District) · retrieved
    Supports: The Board of Managers adopted the fiscal 2027 tax rate on Wednesday, 9 September 2026, in a release dated 10 September; the rate itself is in the county's rate table above
  106. Fiscal year 2027 tax rate impact statement · Travis County · retrieved
    Supports: A county tax of $1,653.72 in 2025 on a $550,000 homestead after the 20% exemption, the same arithmetic as here, The 2025 rate set with the disaster calculation after the July 2025 floods, which the county said would come out for fiscal 2027
  107. Valuing property: the homestead cap and the circuit breaker limitation · Texas Comptroller of Public Accounts · retrieved
    Supports: A residence homestead's appraised value may not rise more than 10% a year, from the year after the owner first qualifies, A 20% annual limit on the appraised value of non-homestead property valued at $5 million or less, the circuit breaker, which expires on 31 December 2026
  108. Tax Code, Section 41.44: notice of protest · Texas Legislature · retrieved
    Supports: A protest must be filed by 15 May or the 30th day after the appraisal notice is delivered, whichever is later
  109. 2025 annual report · Travis Central Appraisal District · retrieved
    Supports: 210,038 property value appeals filed in 2025, A districtwide single-family median level of appraisal of 1.00
  110. School district property value study, 2024 final findings, Austin ISD · Texas Comptroller of Public Accounts · retrieved
    Supports: Austin ISD's local value found within the confidence interval of the state's estimate, so the appraisal district's values stand as market value
  111. 2026 market values on their way · Travis Central Appraisal District · retrieved
    Supports: A median residence homestead market value of $493,449 in Travis County for 2026, against $519,677 in 2025
  112. Annexation · City of Austin Planning Department · retrieved
    Supports: The City collects no property tax in limited-purpose areas, On full-purpose annexation an area's emergency services district tax may be eliminated
  113. Senate Bill 2, 86th Legislature: the Texas Property Tax Reform and Transparency Act of 2019 · Texas Legislature Online · retrieved
    Supports: The enrolled bill summary names Senate Bill 2 of 2019, by Bettencourt et al., the Texas Property Tax Reform and Transparency Act of 2019, with provisions taking effect from 1 January 2020 to 1 January 2022
  114. Property tax process post-Senate Bill 2 (2019): explanatory Q&A · Texas Municipal League · retrieved
    Supports: S.B. 2 lowers the multiplier in a city's voter-approval rate from 8 percent to 3.5 percent more maintenance and operations revenue, for nearly every Texas city, A city that adopts a rate above the 3.5 percent voter-approval rate must hold an automatic election on the November uniform election date, where before voters had to petition for one
  115. Truth in taxation · Texas Comptroller of Public Accounts · retrieved
    Supports: The voter-approval rate gives taxing units other than school districts and special taxing units about the previous year's operating revenue plus an extra 3.5 percent
  116. Geologic wonders of Texas: Central Texas · Bureau of Economic Geology, The University of Texas at Austin · retrieved
    Supports: In Austin the Balcones escarpment generally parallels MoPac (Loop 1): west of it the city is hilly and east of it relatively flat, Hard Lower Cretaceous limestones and dolostones form the hills to the west, and younger Upper Cretaceous rocks including clays the flatter ground to the east
  117. Houston Black: Texas state soil · Soil Science Society of America, with USDA Natural Resources Conservation Service figures · retrieved
    Supports: Houston Black, a smectite clay that shrinks when dry and swells when wet, is found in the Blackland Prairie along the route of Interstate 35 from north of Dallas to just south of San Antonio, Construction on it is often plagued by cracking from the shrinking and swelling, and building foundations need reinforcing
  118. Floodplain management · City of Austin Watershed Protection Department · retrieved
    Supports: NOAA's Atlas 14 rainfall study of 2018 found Central Texas getting heavier rain than previously thought, and the City is updating its floodplain maps from it, In November 2019 the City based its development regulations on the current FEMA 500-year floodplain instead of the 100-year floodplain, pending completion of the updated maps; the maps are on ATXFloodPro
  119. Flood zones · Federal Emergency Management Agency · retrieved
    Supports: The Special Flood Hazard Area is the land flooded by the 1-percent-annual-chance flood, the base or 100-year flood; the ground between it and the 500-year flood is a moderate-risk zone
  120. Understanding flood risk: real estate, lending and insurance professionals · Federal Emergency Management Agency · retrieved
    Supports: Federally regulated or insured lenders must require flood insurance for every building in a Special Flood Hazard Area with a federally backed loan
  121. Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
  122. Texas homeowners insurance market overview · Texas Department of Insurance · retrieved
    Supports: A statewide average homeowners premium of $3,489 a year, from the Texas Statistical Plan for Residential Risks, Hail as the largest cause of paid homeowners losses in every year from 2016 to 2025 except 2021
  123. Texas homeowners insurance · NerdWallet · retrieved
    Supports: An average Austin premium of $4,250 a year and a Texas average of $5,910, for $500,000 of dwelling cover
  124. How much is homeowners insurance in Austin, TX? · Insure.com · retrieved
    Supports: An average Austin premium of $2,698 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026
  125. Renters insurance in Texas · NerdWallet · retrieved
    Supports: An average Austin renters premium of $136 a year for $30,000 of personal property
  126. Monthly homeowners' or condominium association fee, table B25143, 2024 American Community Survey 1-year estimates, Austin city · United States Census Bureau · retrieved
    Supports: A median monthly association fee of $76 among Austin owner-occupied units that pay one, 88,975 of 199,801 owner-occupied units, or 44.5%, paying such a fee, from table B25142
  127. City of Austin utility rates and fees, effective 1 July 2026 · City of Austin · retrieved
    Supports: A residential solid waste charge of $23.80 a month plus $4.70 to $40.30 by cart size, Clean Community fees of $5.45 and $4.80 a month, charged to every residential customer, A transportation user fee of $21.80 a month for a single-family home
  128. Homebuyer resources: Down Payment Assistance · City of Austin Housing Department · retrieved
    Supports: Up to $40,000 in assistance for first-time buyers at or below 80% of median family income, A sales price of no more than $440,000, on a home inside Austin's full-purpose city limits
  129. Conforming loan limit values for 2026, by county · Federal Housing Finance Agency · retrieved
    Supports: A baseline one-unit conforming loan limit of $832,750 for 2026, which is the limit in Travis County
  130. 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved
    Supports: A land area of 325.013 square miles for Austin city, against 319.937 in the 2020 file
  131. Final 2025 millage rates by taxing district · Hillsborough County Property Appraiser · retrieved
    Supports: Published totals of 19.8428 for Tampa, 19.5319 for Temple Terrace, 18.2926 for Plant City and 18.2515 for the unincorporated county, Every component behind them, including the 0.5583 library services levy Temple Terrace and Plant City are outside and the 0.5000 transit authority levy Plant City is outside, A county General Purpose MSTU of 4.6163 paid in the unincorporated area in place of a municipal rate
  132. Table 1: Comparison of Taxes Levied, county and municipal governments, fiscal years 2024-25 and 2025-26 · Florida Department of Revenue, Property Tax Oversight · retrieved
    Supports: Independent confirmation of each municipality's own adopted 2025-26 levy in both counties
  133. Annual estimates of the resident population for incorporated places, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: 2020 census counts and 2024 estimates for each municipality, Tampa at 414,547 and St. Petersburg at 267,102; Indian Shores at 1,190
  134. Hurricane Helene storm surge and Pinellas County flooding, September 2024 · Latent Insurance, on National Weather Service and Pinellas County data · retrieved
    Supports: The largest storm surge on record for St. Petersburg, over six feet in the city and more than seven on the barrier islands, Thousands of Pinellas homes flooded, many of which had never flooded before, St. Petersburg single-family homeowners insurance of roughly $3,900 to $5,500 a year with wind coverage, and higher on the barrier islands
  135. Home insurance in Tampa, Florida: 2026 rates · InsuranceQuotes · retrieved
    Supports: Tampa homeowners insurance averaging about $2,400 a year in 2026, A Tampa Bay range of roughly $3,285 to $5,100 across Hillsborough, Pinellas and Pasco
  136. Documentary stamp tax · Florida Department of Revenue · retrieved
    Supports: 70 cents per $100 on a deed, in every county except Miami-Dade, which charges 60 cents plus a 45-cent surtax, 35 cents per $100 on a promissory note or other written obligation to pay money
  137. Governmental leasehold intangible personal property tax and the non-recurring intangible tax on mortgages · Florida Department of Revenue · retrieved
    Supports: A non-recurring intangible tax of 2 mills: 0.2%, on the obligation secured by a mortgage on Florida real property
  138. Property tax exemptions and additional benefits · Florida Department of Revenue · retrieved
    Supports: A $25,000 homestead exemption applying to all taxing authorities and a second slice, $25,000 in the 2024 base year and adjusted for inflation each 1 January since, applying to all but the school district, The Save Our Homes assessment limitation of 3% or the change in CPI, whichever is lower, Portability of up to $500,000 of accrued Save Our Homes benefit to a new homestead, The 1 March filing deadline
  139. Chapter 2023-17, Laws of Florida: preemption of rent control · The Florida Senate · retrieved
    Supports: The repeal of the referendum exception that had allowed a local rent control ordinance in a declared housing emergency
  140. 2025 Gazetteer files: places, Florida · United States Census Bureau · retrieved
    Supports: A land area of 61.806 square miles and a water area of 73.659 square miles for St. Petersburg city
  141. Helene_Damage_Assessment_Data, one point per parcel assessed after Hurricane Helene · City of St. Petersburg, ArcGIS Online · retrieved
    Supports: 13,494 parcels assessed after Hurricane Helene, 5,189 of them recorded as major damage and 146 as destroyed, A record per parcel rather than per home, with no description published for the layer
  142. Substantial improvement · Federal Emergency Management Agency · retrieved
    Supports: Substantial improvement is any reconstruction, rehabilitation, addition or other improvement whose cost equals or exceeds 50 percent of the market value of the structure before the start of construction, The category also covers structures that have sustained substantial damage, whatever repair work is actually carried out