City comparison · 1,467 km apart

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

Dallas 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 the Trinity
Texas · United States

Dallas

Photograph: Downtown across the Trinity · Tony Webster · CC BY-SA 2.0 · 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

Two cities that both lost residents in 2024-25, Dallas 1,808 of 1,329,491 and St. Petersburg 1,822 of 264,033, pricing in US dollars in states with no income tax, so the figures net directly, on household incomes within about $1,300 of each other, $74,323 and $73,048. The prices are different instruments: Dallas's is the NTREIS median of single-family houses sold inside the city, $469,900 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. Mortgage, property tax and insurance come to about $3,529 a month in Dallas 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 57% and 45% of median household income. Zillow's index reverses the order, $305,765 for Dallas in August, so on a measure that is the same in both St. Petersburg's homes are worth about $50,000 more. A homesteaded owner pays about 1.76% of the price in St. Petersburg against 1.58%, and insurance is budgeted at $390 a month against $400, neither with flood cover, which after Helene's record surge is the line to price first in St. Petersburg. St. Petersburg has the lower crime on every line of the same FBI counts, 502 violent offenses per 100,000 against 577 and 9 homicides against 140. Choose Dallas for headquarters and finance, a job market nearly three times Tampa Bay's, light rail, two airports and cheaper rent. Choose St. Petersburg to own for about $719 a month less at the same rate, for lower crime, a 16.8 C January and no 100F days, and check the address's surge zone and a flood quote first.

Population
MeasureDallasSt. PetersburgAdvantage
City population1,329,491 (2025)264,033 (2025)Not directly comparable
Metro population8,477,157 (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.
1.9% (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
MeasureDallasSt. 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.
$469,900 (August 2026)$355,759 (June 2026)St. Petersburg
Detached house benchmark
Dallas and St. Petersburg publish a single house index rather than a composite, so the two rows repeat.
$469,900$355,759St. Petersburg
Apartment or condominium benchmark$310,000Not publishedNot directly comparable
Two-bedroom rent$1,853/mo (average, August 2026)$2,058/mo (median, June 2026)Dallas
One-bedroom rent$1,416/mo$1,770/moDallas
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.
29.9% of a year's income33.8% of a year's incomeDallas
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$2,509/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.
6.3×4.9×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.
$7,448/yr (1.585%, 2025)$6,248/yr (1.756%, 2025)Dallas
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)Dallas
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

Dallas: About 1.58% of value for a homesteaded owner, worked out on the $469,900 median single-family sale price. A house in the City of Dallas and Dallas ISD is taxed by five units for 2025, which add to 2.22671 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Dallas ISD the state's $140,000 and a further 10% of its own, and Dallas County, the City, Dallas College and the Parkland Hospital District 20% each. So Dallas County levies 0.2155 per $100 on $375,920 after a $93,980 exemption, $810; City of Dallas levies 0.6988 per $100 on $375,920 after a $93,980 exemption, $2,627; Dallas ISD levies 0.993835 per $100 on $282,910 after a $186,990 exemption, $2,812; Dallas College levies 0.106575 per $100 on $375,920 after a $93,980 exemption, $401; Parkland Hospital District levies 0.212 per $100 on $375,920 after a $93,980 exemption, $797. The five come to $7,446 a year, 1.58% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $10,463. The appraisal district's own typical homestead is cheaper than the typical sale: its certified median market value for a City of Dallas homestead was $364,530 for the 2025 appraisal year, the value on 1 January 2025 these rates were levied on, and $364,000 for 2026. On $364,530 the same five units come to $5,465, 1.50%, lower because the school district's flat exemption is a larger share of a cheaper house. These are the 2025 rates, the bills due by 31 January 2026. The appraisal district's 2026 table was still its estimate of 4 March 2026 when these figures were retrieved, so the calculators stay on 2025 until the five units' 2026 rates are published. 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
MeasureDallasSt. 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 100,000577 (2025)502 (2025)St. Petersburg
Property crime per 100,0003,081 (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.
140 (2025)9 (2025)Not directly comparable
Dallas

On the FBI's definitions, violent offenses in Dallas went from 11,181 in 2021 to 10,255 in 2022, 9,025 in 2023, 8,747 in 2024 and 7,674 in 2025, a 12% drop in the last year and 31% in four, and property offenses from 46,991 to 49,224, a peak of 52,641 in 2023, then 45,106 and 40,962, 22% below the peak. Motor vehicle theft drove most of that swing: 11,818 in 2021, 18,457 in 2023 and 11,162 in 2025. In 2025 the CDE shows aggravated assaults down 12% (5,826 to 5,144), robberies down 10% (2,235 to 2,020), rapes down 27% (505 to 370) and murders down 23% (181 to 140). On its own definitions DPD reported violent crime down 12%, robberies down 10%, aggravated assaults down 12% and sexual assaults down 13%. The 2025 CDE counts were read on 27 September 2026 from a feed last refreshed on 15 September and can still be revised.

What the rates cover: Computed: 7,674 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Dallas Police Department (ORI TXDPD0000) in calendar 2025, divided by the 1,329,491 Vintage 2025 city population. On the CDE's own agency population of 1,331,217 the rate is 576. DPD does not publish a total on this definition. The violent crime its Violent Crime Reduction Plan tracks is murder, robbery and aggravated assault, with family-violence and other aggravated assaults counted separately and rape left out. Its public incident dataset on Dallas OpenData, which the city describes as a research copy rather than the authoritative count, lists only 57 murder incidents and 12 family-violence aggravated assault incidents for 2025, so it cannot rebuild either total.

Homicides: 140 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 181 in 2024, about 10.5 per 100,000 on the city population. DPD's own year-end count was 141 homicides against 184 in 2024, a 23% drop (CBS Texas, February 2026); nothing fetched explains the gaps of one and three cases between the two series. The high point in the CDE series since 2021 is 244, in 2023.

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
MeasureDallasSt. PetersburgAdvantage
January mean8.8 °C16.8 °CNot directly comparable
July mean30.7 °C28.8 °CNot directly comparable
Precipitation a year973 mm1,185 mmNot directly comparable
Snowfall a year4 cm0 cmNot directly comparable
Sunshine a year2,850 hoursNot publishedNot directly comparable
Dallas

NOAA NCEI 1991-2020 normals for Dallas Love Field (station USW00013960), the city's own climate station about 6 miles northwest of downtown: January mean 47.8F, July mean 87.3F, annual mean 68.0F, 38.32 in of precipitation, 1.7 in of snow. July and August tie as the warmest months at 87.3F, with mean highs of 96.9F and 97.1F, and January's mean low is 37.9F. October (4.79 in) and May (4.57 in) are the wettest months and July (1.71 in) the driest, and most of the snow falls in February (0.9 in). The normals count 107.5 days a year at 90F or above, 22.4 at 100F or above and 23.1 nights at or below freezing. Dallas Fort Worth International Airport (USW00003927), where the National Weather Service keeps the metro's official record, averages 46.3F in January and 85.7F in July with 37.01 in of rain and 1.6 in of snow, 20.3 days at 100F or above and 29.2 nights at or below freezing. Converted here to 8.8 C, 30.7 C, 973 mm and 4.3 cm. That July mean is the warmest of any city this site compares, 1.5F (0.8 C) above Austin's at Camp Mabry. Sunshine hours are the older 1961-1990 NCDC means (2,850 hours, 61% of possible), since the 1991-2020 normals do not include sunshine.

Hazards: Heat is the constant. The normals give Love Field 22.4 days a year at or above 100F (37.8 C); its record since 1939 is 73 such days in 2011, including 40 in a row from 2 July to 10 August, and its highest reading is 112F (44.4 C), on 26 and 27 June 1980 and again on 22 July 2018. At DFW Airport the record is 71 days in 2011 and the longest run 42, from 23 June to 3 August 1980, when the airport reached 113F (45.0 C). The summer of 2026 is among the hottest on record: by 22 September Love Field had 54 days at 100F or above, fourth in its record, and DFW 52, tied for fifth, 27 of them in August. Hail is the costly routine hazard. NOAA's billion-dollar disaster list counts a North Texas hailstorm on 23 and 24 March 2016 at $2.06 billion in 2016 dollars, and on 11 April 2016 a supercell dropped hailstones up to 5.25 in (13.3 cm), the record for the NWS Fort Worth area, and hit 80% of the homes in Wylie, northeast of the city; Cotality counted more than 235,000 Texas homes hit by damaging hail in 2025, far more than in any other state. Tornadoes reach the city itself. On 20 October 2019 an EF3 with winds near 140 mph (225 km/h) tracked 15.76 miles (25.4 km) from near I-35E and Walnut Hill Lane through Preston Hollow to US 75 and on into Richardson, damaging a high school, a middle school and an elementary school, destroying about 118 structures and doing $1.55 billion of damage without a death; on 26 December 2015 an EF4 killed 10 people in Sunnyvale, Garland and Rowlett in eastern Dallas County. The Trinity River passes downtown between 23 miles (37 km) of levees 29 to 32 ft (8.8 to 9.8 m) high, completed in 1932 and upgraded by the Army Corps of Engineers in the 1950s. The river's record crest at Dallas, 52.6 ft (16.0 m), came in the flood of May 1908, before them; the highest since was 47.1 ft (14.4 m) in May 1990, and by November 2023 the Corps had raised the West levee to carry 277,000 cubic feet (7,844 cubic meters) a second, with the East levee still to do. Flash floods on the creeks are the more frequent danger: on 21 and 22 August 2022, 9.19 in (233 mm) fell at DFW Airport in 24 hours, second only to 9.57 in (243 mm) in September 1932, 9.14 in (232 mm) fell at Love Field and 15.16 in (385 mm) at a gauge on White Rock Creek at Scyene Road, and at least one person died. Cold is rare and badly handled when it comes. Winter Storm Uri left 5.3 in (13.5 cm) of snow at Love Field from 14 to 17 February 2021 and a low of 2F (-16.7 C) on the 16th, matched there only in January 1949 and beaten only in January 1940 (0F, -17.8 C) and December 1989 (1F, -17.2 C); DFW Airport fell to -2F (-18.9 C), the lowest in its record since 1953. ERCOT cut power across the state grid from 15 to 18 February and about 4.5 million customers lost it at the worst; Texas counted 246 deaths from the storm, 22 of them in Dallas County. In January 2026 Winter Storm Fern brought 2.4 in (6.1 cm) of snow and sleet to DFW Airport and lows of 13F (-10.6 C), and the grid held. Drought is the slow hazard. The seven water supply lakes the Texas Water Development Board counts for the Dallas area stood at 86.5% of conservation capacity on 27 September 2026, down from 98.7% at the end of June; in the 2011 to 2015 drought they fell to 62.7% before the rains of 2015 filled them. Dallas has capped lawn watering at twice a week since April 2012.

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
MeasureDallasSt. PetersburgAdvantage
Median household income$74,323 USD (2024)$73,048 USD (2024)Dallas
Unemployment rate4.2% (July 2026)4.8% (July 2026)Dallas
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
Dallas

BLS counted 4,353,400 nonfarm jobs in the Dallas-Fort Worth-Arlington MSA in July 2026 (not seasonally adjusted), up 54,000 or 1.3% on the year. Professional and business services (+3.0%, to 805,200) and leisure and hospitality (+3.0%) grew fastest, then mining, logging and construction and education and health services (both +2.0%), while information (-2.8%), financial activities (-1.0%) and manufacturing (-0.7%) shrank. Trade, transportation and utilities is the largest sector at 895,000 jobs, and government employs 465,400. The seasonally adjusted series (FRED DALL148NA) was 4,363,400 in August 2026, 1.1% above August 2025. Average weekly wages across the metro were $1,785 in the first quarter of 2026 against $1,654 nationally. The Dallas Regional Chamber counts 21 Fortune 500 headquarters in the region as of 2025 and 44 in the Fortune 1000, among them AT&T, Texas Instruments, American Airlines, Kimberly-Clark, Toyota Motor North America and McKesson.

Main sectors: Trade, transportation and utilities, the metro's largest sector (DFW Airport, American Airlines, Southwest Airlines, BNSF Railway), Corporate headquarters and professional and business services (AT&T, Texas Instruments, McKesson, Kimberly-Clark, Toyota Motor North America), Financial activities (the Federal Reserve Bank of Dallas, Charles Schwab, JPMorgan Chase, Goldman Sachs, Bank of America), Health care and education (Baylor Scott & White Health, Texas Health Resources, UT Southwestern Medical Center, Children's Health), Aerospace and advanced manufacturing (Lockheed Martin, Bell Textron, Raytheon, Texas Instruments).

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. The City of Dallas's own rate for the fiscal year that starts on 1 October 2026 is 69.78 cents per $100 of taxable value, down from 69.88 cents, the eleventh cut in a row, in a $5.66 billion budget. Proposition U, a charter amendment Dallas voters approved in November 2024, requires the council to put at least half of each year's revenue growth into the Dallas Police and Fire Pension System, with any remainder of that half going to police pay and to a force of at least 4,000 officers; the budget adopted in September 2026 funds 3,651 officers by the end of September 2027 and 3,800 a year later. 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
MeasureDallasSt. PetersburgAdvantage
SystemDART buses (nearly 700 vehicles), four light rail lines on 93 miles of track, the 26-mile Silver Line commuter rail from Plano to DFW Airport (opened October 2025), the Trinity Railway Express to Fort Worth run with Trinity Metro, the Dallas Streetcar and GoLink on-demand zonesPinellas 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 transit2.0% (2024)2.1% (2024)St. Petersburg
Walk or cycle to work2.5% (2024)2.9% (2024)St. Petersburg
AirportDallas Fort Worth International Airport (DFW), 85,660,127 passengers in 2025, 2.5% fewer than 2024's 87,817,864, per the airport's December 2025 traffic report; 12.65 million of them were international and American Airlines carried 82.6%. ACI World ranked it the fourth-busiest airport in the world by passengers in 2025 and third by aircraft movements. Dallas Love Field (DAL), about 6 miles northwest of downtown and the birthplace and headquarters of Southwest Airlines, handled 16,899,203 passengers in 2025, 5.5% fewer than in 2024 (FAA figures as cited by Wikipedia; the airport's website refused the fetcher).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
Dallas

DART carried 52,823,800 unlinked trips in 2025, 28,151,100 of them by bus and 21,611,600 on light rail, and about 157,300 a weekday in the second quarter of 2026, 65,300 of them on light rail (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). DART's own figure is more than 171,000 passengers a day across a 700-square-mile, 12-city service area. The Trinity Railway Express, which DART runs with Fort Worth's Trinity Metro, carried 1,337,600 trips in 2025 (APTA, same source). The Silver Line opened on 25 October 2025 through Plano, Richardson, Dallas, Addison, Carrollton, Coppell and Grapevine to DFW Airport, every 30 minutes at weekday peaks and hourly otherwise. DART is paid for by a 1% sales tax in its member cities, and the suburbs have pushed back on what they pay: Plano, Irving and Farmers Branch canceled withdrawal elections set for May 2026 after agreements that return part of their sales tax over six years for local transportation projects, Addison and University Park voted to stay, and Highland Park voted by 70% to leave, with service ending on 14 May 2026.

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

Dallas

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 Dallas's rate was 22.7% (297,684 of 1,313,770), Dallas County's 21.9% and the metro's 16.2%. Parkland Memorial Hospital, licensed for 983 beds, is Dallas County's only public hospital and UT Southwestern's primary teaching hospital; it became the first certified Level I trauma center in Texas in 1983 and runs a burn center. UT Southwestern Medical Center, whose faculty have received six Nobel Prizes, runs William P. Clements Jr. University Hospital in the Southwestern Medical District, and more than half the doctors practicing in Dallas trained there at least in part. Baylor University Medical Center, which opened in 1903 and is now the North Texas flagship of Baylor Scott & White Health, has 914 beds and a Level I trauma center that Baylor Scott & White describes as one of only three adult trauma centers in Dallas. Children's Health and UT Southwestern broke ground in October 2024 on a $5 billion pediatric campus with 552 beds to replace Children's Medical Center Dallas, projected to open in 2031. This file did not verify a wait time figure for primary or specialist care.

Education

Dallas ISD, the second-largest school district in Texas, opened the 2026-27 year on 11 August with about 132,000 students, down from about 134,300 a year earlier (KERA). Superintendent Stephanie Elizalde blamed federal immigration policy in part. KERA adds that charter schools and the state's new education savings accounts may account for some of the loss; more than 2,800 students in the district had qualified for the accounts, which help pay private school tuition, on the Comptroller's latest count. The district made pre-kindergarten free for all 3- and 4-year-olds this year and enrolled about 11,000 children in it, and the Texas Education Agency rated the district B for 2025. Southern Methodist University (12,544 students in fall 2025) is in University Park, a separate town north of downtown, the University of Texas at Dallas is in Richardson, and Dallas College runs seven campuses in Dallas County.

Living there

Dallas is the corporate and financial center of the fourth-largest metro in the country, and the metro is growing around the city rather than inside it. The Dallas-Fort Worth area added 123,557 people in 2024-25, more than any metro but Houston, while the city lost 1,808 and Dallas County lost 46,226 more residents to the rest of the country than it gained, so newcomers settle in Collin, Denton and Kaufman counties. The city has 93 miles of DART light rail and, since October 2025, a commuter line to DFW Airport, yet 68.6% of its workers drive alone and 2.0% take transit. Summer is the hard season: the July mean at Love Field is 87.3F, the warmest of any city this site compares, and the station had 54 days at 100F or more by late September 2026. Hail and tornadoes are the costly weather. Texas takes no income tax, and 22.7% of the city's residents have no health insurance. The open question is whether the city can hold up its end as the region spreads outward: three suburbs won back part of the sales tax they pay DART and a fourth voted to leave, voters wrote a minimum of 4,000 police officers into the charter in 2024 and the adopted budget plans for 3,800 by September 2028, and Dallas ISD began 2026-27 with about 2,300 fewer students than the year before.

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. Dallas's is the North Texas Real Estate Information System's median of single-family houses sold inside the city, $469,900 in August 2026, 6.0% 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. Zillow's index, which models every home rather than the ones that sold, reverses the order: it stood at $305,765 for Dallas in August, so on a measure that is the same in both St. Petersburg is the more expensive by about $50,000, and the Dallas median counts only the single-family houses that sold. At 20% down, Dallas's $375,920 loan at 7.03%, Freddie Mac's rate for 24 September, costs about $2,509 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 $7,448 a year in Dallas and about $6,248 in St. Petersburg with a homestead, 1.58% and 1.76% of the price, and insurance is budgeted at $400 and $390 a month, the Dallas figure raised by North Texas hail and the St. Petersburg one 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 $3,529 and $2,742, roughly 57% and 45% of each city's 2024 median household income; at 7.03% St. Petersburg's would be about $2,810. Of the $787 gap about $678 is the mortgage, $68 of it the difference in rates, $100 the property tax and $10 the 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 $1,591 in Dallas in August, about 34% and 26% of median income, and RentCafe's August averages for Dallas, a one-bedroom at $1,416 and a two-bedroom at $1,853, sit below this site's modeled split of St. Petersburg's index, $1,770 and $2,058.

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. St. Petersburg is the lower on every line. Its 1,325 violent offenses come to 502 per 100,000 against Dallas's 577 on 7,674, and its 5,437 property offenses to 2,059 against 3,081 on 40,962. Homicide is where they part most: 9 in St. Petersburg, about 3.4 per 100,000, against 140 in Dallas, about 10.5; 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 improving. 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. Dallas's violent offenses dropped 12% in 2025 and 31% in four years, murders fell from 181 to 140, and motor vehicle theft fell from a peak of 18,457 in 2023 to 11,162. Both sets of counts come from a feed last refreshed on 15 September and can still be revised.

St. Petersburg has the far milder winter and the gentler summer. January averages 16.8 C at Albert Whitted Airport, on the downtown waterfront about a mile east of the city's center, against 8.8 C at Love Field, with 0.1 nights a year at or below freezing against 23.1, and July 28.8 C against 30.7 C, the warmest July mean of the cities this site compares. Love Field's normals count 107.5 days a year at 90F or above against 70.9, and 22.4 at or above 37.8 C (100F) against none: St. Petersburg's heat is long and humid rather than extreme, with 128 days at 90F or above at Albert Whitted in 2024, the most since 2010, while Love Field had 54 days at 100F or more by 22 September 2026. St. Petersburg gets 1,185 mm of rain a year, 63% of it from June through September, against Dallas's 973 mm, and no snow on the normals against 4.3 cm; no sunshine figure for St. Petersburg is on the 1961-1990 series behind Dallas's 2,850 hours. The costly weather differs in kind. Dallas's is hail and tornadoes: a supercell dropped stones up to 5.25 in (13.3 cm) in April 2016, and an EF3 went through Preston Hollow in October 2019. St. Petersburg's is the water in 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. Dallas's rare hard freeze came with Winter Storm Uri, which took Love Field to 2F (-16.7 C) in February 2021 while ERCOT cut power across the state grid, and Texas counted 22 of the storm's 246 deaths in Dallas County. On St. Petersburg's waterfront frost is almost unknown: one night at 32F (0 C), on 18 January 2018, since 2010.

Dallas sits in a labor market nearly three times the size of Tampa Bay's, and the faster-growing one. BLS counted 4,353,400 nonfarm jobs across Dallas-Fort Worth in July 2026, 1.3% 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 4.6% across Dallas-Fort Worth and 4.8% in Tampa Bay, against 4.4% nationally. Dallas has the corporate headquarters and the finance: the Dallas Regional Chamber counts 21 Fortune 500 headquarters in the region for 2025, among them AT&T, Texas Instruments and McKesson, and the Federal Reserve Bank of Dallas, Charles Schwab and JPMorgan Chase are among the metro's financial employers. St. Petersburg is a smaller headquarters town of the same kind: Raymond James, its largest private employer with 4,800 staff, Jabil and Duke Energy Florida have their headquarters in the city, Franklin Templeton employs 1,200, and Johns Hopkins All Children's Hospital 2,800. 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. Average weekly wages across Dallas-Fort Worth were $1,785 in the first quarter of 2026 against $1,654 nationally; the St. Petersburg profile carries no wage figure. City median household income was $74,323 in Dallas and $73,048 in St. Petersburg in 2024, the latter with a margin of error of $4,441 either way, so the two are level, and the metros' $92,733 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 Dallas against 7% in Pinellas County, whose last cent is the Penny for Pinellas, renewed to 2029. The property tax stacks charge about the same nominal rate. Dallas's five units add to 2.22671 per $100. 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. The exemptions are what differ: Texas takes $140,000 off the school levy, Dallas ISD adds 10% of its own and the other four units take 20% each, where 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. So on the same $355,759 house Dallas's five units would charge about $5,300 against $6,248, and on $469,900 the St. Petersburg stack would charge about $8,522 against Dallas's $7,448.

Dallas has a rail system and St. Petersburg has buses, though a larger share of St. Petersburg's workers uses them. In 2024, 2.0% of Dallas workers took transit and 2.5% 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; 68.6% of Dallas's workers drove alone against 65.6%, and 13.5% worked from home against 21.3%. DART carried 52,823,800 trips in 2025, 21,611,600 of them on 93 miles of light rail, and is paid for by a 1% sales tax in its member cities, some of which have pushed back on what they pay, Highland Park voting to leave. The Pinellas Suncoast Transit Authority carried 10,441,618 trips across the county in 2025, about a fifth of DART'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 are far apart. DFW handled 85,660,127 passengers in 2025, 82.6% of them on American, and Love Field, about 6 miles from downtown Dallas and Southwest's headquarters, 16,899,203. 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 a far larger one in Dallas. Neither Texas nor Florida has expanded Medicaid. Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of Dallas's was 22.7%; Florida's was 10.9%, and the City of St. Petersburg's 7.3%, against 8.2% nationally. The hospitals differ in rank. Dallas's safety net is Parkland Memorial, licensed for 983 beds, a Level I trauma center and UT Southwestern's primary teaching hospital. 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. Dallas ISD opened 2026-27 with about 132,000 students against about 134,300 a year earlier, made pre-kindergarten free for all 3- and 4-year-olds and was rated B for 2025. 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. SMU and UT Dallas sit outside Dallas's city limits. 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 to hold is the one with the larger exposure, 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. The tax rates also mislead in both directions. With a homestead the effective rates are about 1.58% on Dallas's median and 1.76% on St. Petersburg's typical value, because Texas's $140,000 school exemption and the 20% local ones take more off a house this size than Florida's two slices; without a homestead the two would owe $10,463 and $7,087, so a landlord or a buyer who never files sees the order reverse. Parts of Dallas sit in public improvement districts. 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. 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, $2,607 on Dallas'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 $400 in Dallas, because no authority publishes a St. Petersburg average and its waterfront buildings span every vintage since the 1960s. The two councils are moving differently: Dallas cut its own rate for the eleventh year in a row, to 69.78 cents per $100 from 1 October 2026, and St. Petersburg's kept the City's at 6.4525 mills for fiscal 2027 on a 6 to 2 vote, above the rolled-back rate. And both are losing people from a growing region. Dallas lost 1,808 residents in 2024-25 and has grown 1.9% since 2020, while its metro added 123,557. St. Petersburg lost 1,822, the third-steepest percentage loss of the 92 US cities of 250,000 or more, in the year of the two storms, and has grown 2.2% since 2020, in a county that lost 11,834 people in 2024-25 and where deaths have outnumbered births every year since 2020.

Dallas

Better here

  • The Dallas Regional Chamber counts 21 Fortune 500 headquarters in the region for 2025, among them AT&T, Texas Instruments and McKesson, and the city is the metro's financial center.
  • Nonfarm jobs grew 1.3% across Dallas-Fort Worth in the year to July 2026, to 4,353,400, nearly three times Tampa Bay's 1,559,600, and unemployment was 4.6% against 4.8% on the same unadjusted basis.
  • A homesteaded owner pays about 1.58% of the median in property tax against 1.76%, and Dallas cut its own rate for the eleventh year in a row from 1 October 2026.
  • DART runs 93 miles of light rail and carried 52,823,800 trips in 2025, against PSTA's 10,441,618 on buses and the SunRunner.
  • DFW handled 85,660,127 passengers in 2025 and Love Field 16,899,203, against 24,811,007 at Tampa International and 2,794,067 at St. Pete-Clearwater.
  • Zillow's observed rent index was $1,591 in August, about 26% of median income, against $2,058 and 34% in St. Petersburg.

Worse here

  • Mortgage, property tax and insurance come to about $3,529 a month on the August 2026 median, roughly 57% 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.
  • Violent crime ran 577 per 100,000 in 2025 against 502 in St. Petersburg, property crime 3,081 against 2,059, and there were 140 homicides against 9, on the same FBI counts.
  • The City of Dallas's uninsured rate was 22.7% in 2024 against 7.3% in the City of St. Petersburg.
  • July averages 30.7 C at Love Field, the warmest July mean of the cities this site compares, and the normals count 22.4 days a year at or above 37.8 C (100F) against none.
  • Hail is the costly weather: a 2016 supercell dropped stones up to 5.25 in (13.3 cm), and insurance is budgeted at $400 a month against $390 for a coastal Tampa Bay address.
  • Texas counted 22 of Winter Storm Uri's 246 deaths in Dallas County in February 2021, when Love Field fell to 2F (-16.7 C) and ERCOT cut power.

Choose Dallas if

  • you work in corporate headquarters, finance or professional services and want the larger market for it
  • you want light rail, and a transit system that carried 52,823,800 trips in 2025
  • you fly often and want a hub airport and Love Field rather than a drive across the bay to Tampa International
  • you rent, where Zillow's observed rent index was $1,591 in August against $2,058 in St. Petersburg

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

St. Petersburg

Better here

  • Violent crime ran 502 per 100,000 in 2025 against 577 in Dallas, property crime 2,059 against 3,081, and there were 9 homicides, about 3.4 per 100,000, against 140, on the same FBI counts.
  • 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 $3,529 and 57% in Dallas.
  • January averages 16.8 C with 0.1 freezing nights a year, against 8.8 C and 23.1 at Love Field, and the normals count no days at 100F against 22.4.
  • The City of St. Petersburg's uninsured rate was 7.3% in 2024 against 22.7% in the City of Dallas.
  • Sales tax is 7% against 8.25%, and the SunRunner runs every 15 minutes from downtown to St. Pete Beach.
  • Raymond James, Jabil and Duke Energy Florida have their headquarters in the city, and 86% of its workers stayed in Pinellas County in 2024.

Worse here

  • A homesteaded owner pays about 1.76% of the price in property tax against 1.58% in Dallas, 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.
  • Zillow's observed rent index was $2,058 in June 2026, about 34% of median income, against $1,591 and 26% in Dallas.
  • Tampa Bay's metro has about a third of Dallas-Fort Worth's jobs, and they grew 0.9% in the year to August 2026 against 1.3%.
  • 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 lower crime on every line, and 9 homicides in a year rather than 140
  • you want to own at about $2,742 a month rather than $3,529 on about the same household income
  • 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

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

08: Questions people ask

Dallas or St. Petersburg, in short

Is Dallas or St. Petersburg cheaper to live in?

St. Petersburg, to own on these figures; Dallas, to rent and on what Zillow says the homes are worth. Both cities price in US dollars, though the headlines are different instruments: the NTREIS median of single-family houses sold inside Dallas, $469,900 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, Dallas stood at $305,765, below St. Petersburg. The mortgage at 20% down is about $2,509 against $1,831, though Dallas's uses September's 7.03% rate and St. Petersburg's August's 6.67%. Property tax is $7,448 a year against about $6,248 with a homestead and insurance $400 a month against $390, so the three lines come to about $3,529 in Dallas and $2,742 in St. Petersburg, or $2,810 at the same 7.03%, roughly 57% and 45% of median household incomes that are about level, $74,323 and $73,048. Neither includes flood cover. Zillow's observed rent index was $1,591 in Dallas in August and $2,058 in St. Petersburg in June. Neither state taxes income, and sales tax is 8.25% in Dallas against 7% in Pinellas County.

Is Dallas or St. Petersburg safer?

St. Petersburg, on every 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 577 in Dallas, property offenses 2,059 against 3,081, and homicide was 9 in St. Petersburg, about 3.4 per 100,000, against 140 in Dallas, about 10.5. St. Petersburg's police counted 10 homicides, the fewest since 1967. Both are improving: Dallas's violent offenses dropped 12% in 2025 and 31% in four years, and St. Petersburg's were 19% below 2024. 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, Dallas or St. Petersburg?

Dallas's, which is nearly three times the size and growing faster. BLS counted 4,353,400 nonfarm jobs across Dallas-Fort Worth in July 2026, 1.3% 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 4.6% and 4.8% in July. Dallas's work leans on corporate headquarters, finance, trade and aerospace, and its average weekly wage was $1,785 in early 2026 against $1,654 nationally. St. Petersburg's leans on finance and insurance, with Raymond James and Franklin Templeton, on its hospitals and on Jabil's engineering. Median household income was $92,733 across the Dallas metro in 2024 against $78,275 in Tampa Bay, though the two cities' are level, $74,323 and $73,048.

How much does flood risk change the comparison?

More in St. Petersburg than anything else on the page, and neither carry here includes flood insurance. 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. Dallas's costly weather is hail and tornadoes rather than water, which is why its homeowners insurance is budgeted at $400 a month against St. Petersburg's $390. 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, Dallas Police Department (TXDPD0000): 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
  4. Violent Crime Reduction Plan Update, Public Safety Committee, June 3, 2025 · Dallas Police Department (City of Dallas) · retrieved
    Supports: Violent crime rate, Crime trend
  5. Police Incidents (Dallas Police Public Data, RMS incidents from June 1, 2014) · City of Dallas OpenData · retrieved
    Supports: Violent crime rate
  6. Dallas sees lowest violent crime numbers since 2015 as chief credits new crime strategies · CBS Texas · retrieved
    Supports: Homicides, Crime trend
  7. US Climate Normals 1991-2020, station USW00013960 Dallas Love Field (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 47.8F, July and August 87.3F from the monthly series, and annual mean 68.0F, precipitation 38.32 in, snowfall 1.7 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  8. US Climate Normals 1991-2020, station USW00003927 Dallas Fort Worth International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals
  9. Global Historical Climatology Network daily summaries, Dallas Love Field (USW00013960), 1939-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, Character, 73 days at or above 100F in 2011 and 40 in a row from 2 July to 10 August 2011, 54 in 2026 through 22 September, 112F on 26 and 27 June 1980 and 22 July 2018, 5.3 in of snow from 14 to 17 February 2021, 2F on 16 February 2021, 31 January 1949, 1F on 23 December 1989 and 0F on 23 January 1940, 13F on 25 January 2026
  10. Global Historical Climatology Network daily summaries, Dallas Fort Worth International Airport (USW00003927), 1953-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 113F on 26 and 27 June 1980, -2F on 16 February 2021, 2.4 in of snow and sleet on 24 and 25 January 2026
  11. Dallas/Fort Worth: Annual and Consecutive 100 Degree Days (last updated 22 September 2026) · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  12. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours, Climate normals
  13. Weather and Climate Billion-Dollar Disasters to affect the U.S. from 1980-2024 (events list) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards
  14. April 11th 2016 Hail Storm · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  15. Cotality 2026 Report: Hail risk now rivals major hurricanes (2026 Severe Convective Storm Risk Report) · Cotality · retrieved
    Supports: Climate hazards
  16. North Texas Tornadoes, October 20, 2019 · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  17. 2019 North Dallas tornado (path length, structures destroyed, damage, casualties) · Wikipedia · retrieved
    Supports: Climate hazards
  18. December 26, 2015 Tornado Outbreak · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  19. Dallas Levee System · City of Dallas, Trinity River Corridor Project · retrieved
    Supports: Climate hazards
  20. Trinity River at Dallas (DALT2), historic crests · NOAA National Water Prediction Service · retrieved
    Supports: Climate hazards
  21. Milestone Achievement for Dallas Floodway Project: Providing Flood Risk Management to Communities · US Army Corps of Engineers, Fort Worth District (DVIDS) · retrieved
    Supports: Climate hazards
  22. Wettest 24 hours in nearly a century for Dallas-Fort Worth · Yale Climate Connections · retrieved
    Supports: Climate hazards
  23. February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved
    Supports: Climate hazards
  24. The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved
    Supports: Climate hazards
  25. How the Texas power grid is holding up during the winter storm · CBS Texas · retrieved
    Supports: Climate hazards
  26. Energy Secretary Issues Emergency Order to Secure Texas Grid Amid Winter Storm Fern · US Department of Energy · retrieved
    Supports: Climate hazards
  27. Dallas Area Reservoirs (daily storage, percent full) · Texas Water Development Board, Water Data for Texas · retrieved
    Supports: Climate hazards
  28. Frequently Asked Questions (watering schedule) and City of Dallas Water Conservation Ordinance · Dallas Water Utilities, Save Dallas Water · retrieved
    Supports: Climate hazards
  29. ACS 2024 1-year tables B08301 and B19013 for Dallas city and the Dallas-Fort Worth-Arlington MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  30. ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Dallas County, Dallas city and the Dallas-Fort Worth-Arlington MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care, Character
  31. Unemployment Rate in Dallas-Fort Worth-Arlington, TX (MSA), DALL148UR and DALL148URN · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  32. All Employees: Total Nonfarm in Dallas-Fort Worth-Arlington, TX (MSA), DALL148NA · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  33. Dallas-Fort Worth Area Economic Summary · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate, Main sectors, Labour market
  34. Dallas Regional Economic Development Guide 2026: Major Companies and Headquarters · Dallas Regional Chamber · retrieved
    Supports: Main sectors, Labour market
  35. City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  36. Transit Sales and Use Tax (Dallas MTA, effective January 1, 1984) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax, Transit ridership
  37. Sales and Use Tax · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  38. Texas Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
  39. 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  40. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  41. Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved
    Supports: Tax notes
  42. Dallas approves $5.66 billion budget for 2026-27 fiscal year · Lake Highlands Advocate · retrieved
    Supports: Tax notes, Character
  43. City of Dallas Update on Proposition U, Police and Fire Funding Appropriation · City of Dallas · retrieved
    Supports: Tax notes, Character
  44. About DART (DART facts) · Dallas Area Rapid Transit · retrieved
    Supports: Transit system, Transit ridership, Character
  45. Silver Line Launches Oct. 25, Connecting Seven Cities and DFW Airport with Modern, Reliable Transit · Dallas Area Rapid Transit · retrieved
    Supports: Transit system, Transit ridership, Character
  46. Dallas Area Rapid Transit (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026, through Template:American transit ridership) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  47. DART services in Richardson, Plano to remain unchanged as Highland Park withdraws · Community Impact · retrieved
    Supports: Transit ridership, Character
  48. DFW Total Passengers, December 2025 (calendar year 2025 vs 2024) · Dallas Fort Worth International Airport · retrieved
    Supports: Airport passengers
  49. World's Busiest Airports: Atlanta Holds, Asia Climbs (2025 passenger and movement rankings) · ACI World · retrieved
    Supports: Airport passengers
  50. Dallas Love Field (2025 passenger totals from the FAA, location, Southwest Airlines) · Wikipedia · retrieved
    Supports: Airport passengers, Climate normals
  51. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  52. Parkland Memorial Hospital · UT Southwestern Medical Center · retrieved
    Supports: Health care
  53. About the Trauma Center · Parkland Health · retrieved
    Supports: Health care
  54. Baylor University Medical Center, part of Baylor Scott & White Health · Baylor Scott & White Health · retrieved
    Supports: Health care
  55. Children's Health and UT Southwestern break ground on new Dallas pediatric campus, announce $100 million donation from The Rees-Jones Foundation · UT Southwestern Medical Center · retrieved
    Supports: Health care
  56. UT Southwestern and Children's Health receive $25 million from the Harry W. Bass, Jr. Foundation for new pediatric campus · UT Southwestern Medical Center · retrieved
    Supports: Health care
  57. New Dallas Pediatric Campus Puts Children First · Southwestern Medical District · retrieved
    Supports: Health care
  58. On Dallas ISD's first day of school, enrollment's down, but letter grade may be up · KERA News · retrieved
    Supports: Education, Character
  59. Southern Methodist University (fall 2025 enrollment, University Park) · Wikipedia · retrieved
    Supports: Education
  60. University of Texas at Dallas (Richardson) · Wikipedia · retrieved
    Supports: Education
  61. Dallas College (seven campuses in Dallas County) · Wikipedia · retrieved
    Supports: Education
  62. 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
  63. 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
  64. St. Petersburg, Florida (history, geography, economy, arts, education, transportation) · Wikipedia · retrieved
    Supports: Climate normals, Climate hazards, Main sectors, Labour market, Transit system, Education, Character
  65. 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
  66. 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
  67. 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
  68. 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
  69. 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
  70. 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
  71. 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
  72. 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
  73. 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
  74. Tropicana Field roof damaged by Hurricane Milton, downtown St. Pete crane snapped · Bay News 9 · retrieved
    Supports: Climate hazards
  75. Tropicana Field (Milton damage, 2025 season at Steinbrenner Field, return on 6 April 2026) · Wikipedia · retrieved
    Supports: Climate hazards, Character
  76. A new Rays stadium in Tampa gets clinching Hillsborough County approval · WUSF · retrieved
    Supports: Character
  77. 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
  78. 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
  79. 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
  80. 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
  81. 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
  82. 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
  83. 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
  84. 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
  85. 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
  86. Florida Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes
  87. 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)
  88. 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
  89. 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
  90. 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
  91. 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
  92. Pinellas Suncoast Transit Authority (history, routes, SunRunner, Cross-Bay Ferry) · Wikipedia · retrieved
    Supports: Transit system
  93. St. Pete-Clearwater International Airport (location, owner, airlines, annual passenger traffic 2024 and 2025) · Wikipedia · retrieved
    Supports: Airport passengers
  94. Orlando Health Bayfront Hospital · Wikipedia · retrieved
    Supports: Health care, Main sectors
  95. Johns Hopkins All Children's Hospital · Wikipedia · retrieved
    Supports: Health care, Main sectors
  96. Pinellas County School Board considers closing schools due to low enrollment · Bay News 9 · retrieved
    Supports: Education
  97. Pinellas County Schools move forward with closures, consolidations as enrollment declines district wide · FOX 13 · retrieved
    Supports: Education
  98. NTREIS monthly MLS summary report, August 2026 · North Texas Real Estate Information System and the Texas Real Estate Research Center at Texas A&M University, via the MetroTex Association of REALTORS · retrieved
    Supports: A median single-family sale price of $469,900 in the City of Dallas in August 2026 on 640 sales, against $499,900 on 667 sales in August 2025, A median townhouse sale price of $543,000 on 30 sales, against $475,000 on 42, and a median condominium sale price of $310,000 on 121 sales, against $237,000 on 136, 2,725 active single-family listings and 4.2 months of inventory in the City of Dallas, A median single-family lease of $2,850 a month on 276 leases, City figures by property type only, with no all-types median
  99. Housing market reports · MetroTex Association of REALTORS · retrieved
    Supports: Monthly reports featuring data from the Texas A&M Real Estate Research Center, based on listings of properties physically located within the specified geographic areas
  100. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $305,765 for the city of Dallas (region 38128) in August 2026, $310,919 in August 2025, so a fall of 1.7% over the year
  101. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $319,987 in the city of Dallas in August 2026, against $324,674 a year earlier, down 1.4%, A typical condominium value of $208,501 in the same month, against $222,477, down 6.3%, 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
  102. Dallas, TX average rent and rent trends · RentCafe / Yardi Matrix · retrieved
    Supports: An average Dallas apartment rent of $1,592, down 0.92% from $1,607 a year earlier, updated 31 August 2026, Average rents of $1,245 studio, $1,416 one-bedroom, $1,853 two-bedroom and $2,221 three-bedroom
  103. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,591 for the city of Dallas in August 2026, up 0.63% from $1,581 a year earlier
  104. 2025 ad valorem tax rates for Dallas County, revised 5 November 2025 · Dallas Central Appraisal District · retrieved
    Supports: 2025 rates per $100: Dallas County 0.215500, Parkland Hospital 0.212000, Dallas College 0.106575, Dallas 0.698800, Dallas ISD 0.993835, Optional homestead exemptions of 20% for Dallas County, Parkland Hospital, Dallas College and the City of Dallas, and 10% for Dallas ISD, A general homestead exemption of $140,000 for every school district, contingent on the November 2025 constitutional amendment, A calculated local optional homestead value of not less than $5,000, Separate rates and exemptions for Highland Park, University Park, Cockrell Hill and Highland Park ISD
  105. 2026 estimated ad valorem tax rates for Dallas County, revised 4 March 2026 · Dallas Central Appraisal District · retrieved
    Supports: The 2026 table was an estimate, repeating the 2025 rates for the five units, when these figures were retrieved
  106. 2025 and 2026 residence homestead average and median values · Dallas Central Appraisal District · retrieved
    Supports: A certified median residence homestead market value of $364,530 in the City of Dallas for 2025, on 177,599 homesteads, A certified median of $364,000 for 2026, on 172,862 homesteads, in the table dated 22 July 2026
  107. Annual report, 2025 appraisal year · Dallas Central Appraisal District · retrieved
    Supports: 230,276 protests received for the 2025 appraisal year, 180,733 of them residential, and 788,553 appraisal notices mailed, A protest process that begins around 15 April and concludes by 20 July each year
  108. 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
  109. 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
  110. Midtown Improvement District · City of Dallas Office of Economic Development · retrieved
    Supports: The Midtown Improvement District, formerly the Vickery Meadow Public Improvement District, established in 1993 and renewed to 31 December 2032, An annual budget and assessment rate subject to a public hearing and Dallas City Council approval
  111. Public Improvement Districts (PIDs) layer · City of Dallas · retrieved
    Supports: Public improvement districts mapped by the City including Dallas DID, Uptown, Deep Ellum, Klyde Warren/DAD, Knox Street, Oak Lawn-Hi Line, Prestonwood, Lake Highlands, North Lake Highlands, Midtown, University Crossing, South Side, Far East Dallas and RedBird
  112. 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
  113. Texas homeowners insurance market overview · Texas Department of Insurance · retrieved
    Supports: A statewide average homeowners premium of $3,489 a year for 2025, from the Texas Statistical Plan for Residential Risks, Hail as the largest cause of paid homeowners losses, $4.93 billion in 2024 against $2.21 billion for wind
  114. Insurance and your roof: what to know when buying a policy or filing a claim · Texas Department of Insurance · retrieved
    Supports: Replacement cost coverage pays for a new roof at current prices, and actual cash value coverage pays replacement cost minus depreciation, As roofs age, some companies will switch to actual cash value, A deductible for wind and hail damage can differ from the deductible for other damage
  115. Texas homeowners insurance · NerdWallet · retrieved
    Supports: An average Dallas premium of $6,915 a year and a Texas average of $5,910, for $500,000 of dwelling cover, updated 20 February 2026
  116. How much is homeowners insurance in Dallas, TX? · Insure.com · retrieved
    Supports: An average Dallas premium of $4,212 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026
  117. Renters insurance in Texas · NerdWallet · retrieved
    Supports: An average Dallas renters premium of $167 a year for $30,000 of personal property, updated 23 September 2026
  118. Monthly homeowners' or condominium association fee, table B25143, 2024 American Community Survey 1-year estimates, Dallas city · United States Census Bureau · retrieved
    Supports: A median monthly association fee of $280 among Dallas owner-occupied units that pay one, 50,335 of 226,859 owner-occupied units, or 22.2%, paying such a fee, from table B25142
  119. City of Dallas utility fees effective 1 October 2025 · City of Dallas · retrieved
    Supports: A residential sanitation fee of $40.09 a month, $43.40 with tax, A residential stormwater fee of $5.39 to $21.01 a month by impervious area, An environmental cleanup fee of $3.00 a month on every City of Dallas utility account
  120. Dallas Homebuyer Assistance Program (DHAP) · City of Dallas Housing and Homelessness Solutions · retrieved
    Supports: Assistance of up to $60,000 in High Opportunity Areas and $50,000 elsewhere in Dallas, for households at or below 80% of area median income, A maximum sales price of $342,000 for existing and newly built homes, for contracts from 1 September 2024, A second lien as an interest-free forgivable deferred loan with no monthly payments, prorated annually, with partial repayment due on a sale, lease or transfer, Administered by Business and Community Lenders of Texas from 1 May 2026
  121. 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved
    Supports: A land area of 339.685 square miles and a water area of 43.966 square miles for Dallas city
  122. 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
  123. 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
  124. 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
  125. 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
  126. 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
  127. 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
  128. 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
  129. 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
  130. 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
  131. 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
  132. 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
  133. 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