San Antonio vs St. Petersburg: which should you move to?
San Antonio 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.
San Antonio
St. Petersburg
A city of 1,548,422 that added the third-most residents of any US city in 2024-25, and one of 264,033 across the bay from Tampa that lost residents in the year of Hurricanes Helene and Milton, both pricing in US dollars in states with no income tax, so the figures net directly, in metros where households earn the same, $78,112 and $78,275. The prices are different instruments: San Antonio's is the San Antonio Board of REALTORS' median for Bexar County, $280,999 in August 2026, every home type together, because no city median is published, and St. Petersburg's is Zillow's typical home value for the city, $355,759 in June, its row in this site's Tampa Bay layer, as Tampa's is. On Zillow's index, the same measure in both, the City of San Antonio stood at $247,453, so the order holds and widens. Mortgage, property tax and insurance come to about $2,116 a month in San Antonio 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 38% of San Antonio's median household income of $66,176 and 45% of St. Petersburg's $73,048. A homesteaded owner pays about 1.56% of the price in San Antonio and 1.76% in St. Petersburg, and insurance is budgeted at $250 a month against $390, 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, narrowly on violent offenses, 502 per 100,000 against 532, and widely on homicide, 9 against 106. Choose San Antonio to own or rent for much less, for the bases and the medical center, and a job market growing as fast. Choose St. Petersburg for lower crime, a far lower uninsured rate, a 16.8 C January and no 100F days, and check the address's surge zone and a flood quote first.
| Measure | San Antonio | St. Petersburg | Advantage |
|---|---|---|---|
| City population | 1,548,422 (2025) | 264,033 (2025) | Not directly comparable |
| Metro population | 2,813,140 (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. | 8.0% (2020-2025) | 2.2% (2020-2025) | Not directly comparable |
What a home costs in each
The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.
| Measure | San Antonio | St. Petersburg | Advantage |
|---|---|---|---|
| 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. | $280,999 (August 2026) | $355,759 (June 2026) | San Antonio |
| Detached house benchmark St. Petersburg publishes a single house index rather than a composite, so the two rows repeat. | $249,206 | $355,759 | San Antonio |
| Apartment or condominium benchmark | $167,371 | Not published | Not directly comparable |
| Two-bedroom rent | $1,179/mo (median, September 2026) | $2,058/mo (median, June 2026) | San Antonio |
| One-bedroom rent | $957/mo | $1,770/mo | San Antonio |
| 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. | 21.4% of a year's income | 33.8% of a year's income | San Antonio |
| Mortgage payment on the benchmark, 20% down 30-year amortization on American monthly compounding, the convention in both. | $1,500/mo at 7.03% | $1,831/mo at 6.67% | San Antonio |
| Price to household income Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not. | 4.2× | 4.9× | San Antonio |
| 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. | $4,389/yr (1.562%, 2025) | $6,248/yr (1.756%, 2025) | San Antonio |
| 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) | San Antonio |
| Rent control A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better. | Forbidden by state law | Forbidden by state law | Not directly comparable |
San Antonio: About 1.56% of value for a homesteaded owner, worked out on the $280,999 Bexar County median sale price. A house in the City of San Antonio and Northside ISD, the school district more of the city's residents live in than any other, is taxed by seven units for 2025, which add to 2.290174 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Northside ISD the state's $140,000 and nothing more, the county's Road and Flood Control Fund the state's $3,000 for a flood control tax and a further 20%, the Alamo Community College District 1% with the state's $5,000 floor, the San Antonio River Authority 4%, and Bexar County, University Health and the City 20% each. So Bexar County levies 0.276331 per $100 on $224,799 after an exemption of $56,200, $621; Bexar County Road and Flood Control Fund levies 0.023668 per $100 on $221,799 after an exemption of $59,200, $52; University Health levies 0.276235 per $100 on $224,799 after an exemption of $56,200, $621; City of San Antonio levies 0.54159 per $100 on $224,799 after an exemption of $56,200, $1,217; Northside ISD levies 1.0049 per $100 on $140,999 after an exemption of $140,000, $1,417; Alamo Community College District levies 0.14915 per $100 on $275,999 after an exemption of $5,000, $412; San Antonio River Authority levies 0.0183 per $100 on $269,759 after an exemption of $11,240, $49. The seven come to $4,390 a year, 1.56% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $6,435. In San Antonio ISD, the inner-city district, the school line is 1.1552 per $100 after an exemption of $145,000, and the same house comes to $4,544, 1.62%. The median is the county's, and a typical home inside the city is cheaper: on $247,453, Zillow's August 2026 value for a typical City of San Antonio home, the Northside ISD stack comes to $3,697, 1.49%, 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. When these figures were retrieved the Bexar County Tax Assessor-Collector's official table ran to 2025, with the units' 2026 rate calculation worksheets posted but no 2026 official rates, so the calculators stay on 2025 until all seven 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.
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.
| Measure | San Antonio | St. Petersburg | Advantage |
|---|---|---|---|
| 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 published | Not published | Not directly comparable |
| Violent crime per 100,000 | 532 (2025) | 502 (2025) | St. Petersburg |
| Property crime per 100,000 | 3,920 (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. | 106 (2025) | 9 (2025) | Not directly comparable |
On the FBI's definitions, violent offenses in San Antonio went from 11,219 in 2021 to a peak of 13,105 in 2022, then 10,440 in 2023, 9,173 in 2024 and 8,241 in 2025, a 10% drop in the last year and 37% below the peak, and property offenses from 61,559 to 74,787 and a peak of 80,789 in 2023, then 70,657 and 60,693, 25% below the peak. Motor vehicle theft drove most of that swing: 8,912 in 2021, 19,090 in 2023 and 9,527 in 2025, half the peak. In 2025 the CDE shows aggravated assaults down 9% (6,037 to 5,506), robberies down 17% (1,656 to 1,380), rapes down 8% (1,354 to 1,249) and murders down 16% (126 to 106). SAPD's own January-to-November comparison points the same way: all reported crime down 13% (143,529 to 124,314), crimes against property down 18.1%, motor vehicle theft down 26.5% and robberies down 16.4%, while crimes against society rose 15.4%, which the chief put down to more drug arrests. A University of Texas at San Antonio evaluation of the city's Violent Crime Reduction Plan found violent street crime fell 22% in treated hot spots in 2024 against 9.6% citywide (San Antonio Report). The 2025 CDE counts were read on 30 September 2026 from a feed last refreshed on 15 September and can still be revised.
What the rates cover: Computed: 8,241 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the San Antonio Police Department (ORI TXSPD0000) in calendar 2025, divided by the 1,548,422 Vintage 2025 city population. On the CDE's own agency population of 1,549,306 the rate is also 532. No SAPD total on this definition was found in anything fetched. Its year-end report to the City Council's Public Safety Committee in December 2025 counted NIBRS crimes against persons, which include simple assaults, and put them at 28,361 for January through November 2025, down 9% from 31,179 in the same months of 2024 (KSAT).
Homicides: 106 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 126 in 2024, about 6.8 per 100,000 on the city population. SAPD's own count for January through November 2025 was 99 against 119 in the same months of 2024, a drop of nearly 17% (KSAT); a full-year SAPD figure was not found in anything fetched. The high point in the CDE series since 2021 is 233, in 2022, a year whose count includes the 53 migrants found dead in a tractor-trailer on the Southwest Side (San Antonio Report).
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.
Winters, summers and what the weather can do to a house
| Measure | San Antonio | St. Petersburg | Advantage |
|---|---|---|---|
| January mean | 11.2 °C | 16.8 °C | Not directly comparable |
| July mean | 29.3 °C | 28.8 °C | Not directly comparable |
| Precipitation a year | 822 mm | 1,185 mm | Not directly comparable |
| Snowfall a year | 1 cm | 0 cm | Not directly comparable |
| Sunshine a year | 2,629 hours | Not published | Not directly comparable |
NOAA NCEI 1991-2020 normals for San Antonio International Airport (station USW00012921), inside the city about 8 miles north of downtown and the station where the National Weather Service keeps San Antonio's official record: January mean 52.2F, July mean 84.8F, annual mean 69.6F, 32.38 in of precipitation, 0.2 in of snow. August is the warmest month at 85.5F, with a mean high of 96.0F; July's mean high is 94.9F and January's mean low is 41.0F. May (4.40 in) and September (3.88 in) are the wettest months and February (1.74 in) the driest; the little snow the normals record falls in February and December. The normals count 122.4 days a year at 90F or above, 17.7 at 100F or above and 14.0 nights at or below freezing. Converted here to 11.2 C, 29.3 C, 822 mm and 0.5 cm. That January mean is the same as Austin's at Camp Mabry and the precipitation is the least of the Texas cities this site compares, 99 mm less than Austin's and 495 mm less than Houston's. Sunshine hours are the older 1961-1990 NCDC means (2,629 hours, 60% of possible, and 105 clear days), since the 1991-2020 normals do not include sunshine.
Hazards: Flash flooding is the defining hazard. San Antonio sits on the Balcones Escarpment in what a National Weather Service meteorologist calls Flash Flood Alley, where shallow soil over limestone sends heavy rain straight into the creeks. On 17 and 18 October 1998 a nearly stationary storm complex, fed by moisture from two Eastern Pacific hurricanes, dropped 11.26 in (286 mm) on San Antonio International on the 17th, still the station's wettest calendar day, and 13.35 in (339 mm) in 24 hours, and October 1998's 18.07 in (459 mm) remains the wettest month on record there. Across South Texas that flood killed 31 people, and NOAA puts the damage at $942 million ($1.81 billion in 2024 dollars); the San Antonio Report counts 11 of the dead in San Antonio. On 25 May 2013, over Memorial Day weekend, 9.87 in (251 mm) fell at the airport, the station's second-wettest day, and a gauge on Olmos Creek caught 15.31 in in five hours and about 17 in by the end of the day; US 281 stayed under water for days, crews made more than 235 rescues and at least two people died. The deadliest single day came on 12 June 2025, when more than 7 in fell in three hours over the Beitel Creek watershed on the Northeast Side and the airport recorded a record 3.9 in (99 mm) in one hour and 6.11 in (155 mm) for the day: the creek rose by as much as a foot every ten minutes, and 13 people died, 11 of them along Beitel Creek, where at least 15 vehicles were swept off the Loop 410 frontage road. Two more were found dead after a storm flooded Salado Creek over Labor Day weekend, and over the July Fourth weekend between the two 117 people died in nearby Kerr County and 135 across the state. Heat is the constant. The normals count 122.4 days a year at or above 90F, about the same as Austin's 122.8 and more than Houston's 111.3 or Dallas's 107.5, and 17.7 at or above 100F (37.8 C), between Houston's 7.0 and Dallas's 22.4. The airport's record is 75 days of 100F in 2023, including 23 in a row from 30 July to 21 August, well ahead of 59 in 2009 and 58 in 2022, and its highest reading is 111F (43.9 C), on 5 September 2000; 2026 had 24 such days through 22 September. Cold is rare and badly handled. Winter Storm Uri left 6.2 in (15.7 cm) of snow at the airport from 14 to 18 February 2021 and a low of 9F (-12.8 C) on the 15th, the coldest there since 6F (-14.4 C) on 23 December 1989; the station's record low is 0F (-17.8 C), on 31 January 1949, and its biggest snowfall 13.2 in (33.5 cm), on 12 January 1985. 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, 16 of them in Bexar County, and CPS Energy, the city's municipal electric and gas utility, reported $675 million to $850 million of losses on natural gas purchases and $175 million to $250 million on purchased power.
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.
What people earn and what the government takes
| Measure | San Antonio | St. Petersburg | Advantage |
|---|---|---|---|
| Median household income | $66,176 USD (2024) | $73,048 USD (2024) | St. Petersburg |
| Unemployment rate | 4.7% (July 2026) | 4.8% (July 2026) | San Antonio |
| Sales tax | 8.25% | 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 USD | Even |
BLS counted 1,191,700 nonfarm jobs in the San Antonio-New Braunfels MSA in August 2026 (not seasonally adjusted, preliminary), up 6,100 or 0.5% on the year. Professional and business services grew fastest (+4.8%, to 162,400), then construction (+2.9%) and trade, transportation and utilities (+2.8%), while information (-7.7%), government (-3.1%, to 181,800) and private education and health services (-2.0%, to 180,300) shrank; federal government employment fell 6.7%, from 38,700 to 36,100. Trade, transportation and utilities is the largest sector at 216,300 jobs. The seasonally adjusted series (SMS48417000000000001) was 1,195,900 in August 2026, 0.8% above August 2025. BLS's federal line is far smaller than the base itself: the Texas Comptroller counts 74,713 direct employees at Joint Base San Antonio in 2025, 33,256 of them active-duty military, and estimates the base supported 223,349 Texas jobs and $33.9 billion of the state's GDP ($53.5 billion of output). Greater SATX, the regional economic development group, calls it the largest joint base in the US military. UT San Antonio, formed when UTSA and UT Health San Antonio merged in September 2025, calls health care and biosciences, a $44.1 billion sector, the city's largest industry. H-E-B, USAA, Valero Energy and iHeartMedia are all headquartered in the city.
Main sectors: Military and federal installations: Joint Base San Antonio (Fort Sam Houston with Brooke Army Medical Center, Lackland Air Force Base with the Air Force's basic military training and the 16th Air Force, and Randolph Air Force Base with the Air Education and Training Command), Health care and biosciences (the South Texas Medical Center, University Health, UT Health San Antonio and UT San Antonio, Methodist Hospital, the Audie L. Murphy Memorial Veterans Hospital), Tourism and hospitality (Visit San Antonio counts $23.4 billion of economic impact and more than 150,000 jobs in 2024), Trade, transportation and utilities, the metro's largest sector by payroll jobs (H-E-B, headquartered in the city; CPS Energy; San Antonio International Airport's cargo), Financial services, energy and media headquarters (USAA, Valero Energy, iHeartMedia).
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. On 17 September 2026 the City Council voted 7 to 4, with Mayor Gina Ortiz Jones in the minority, to raise the city's own rate for the first time since 1992, as part of a plan to close a $158 million deficit over two years that also includes cuts, fee increases and a second rate increase planned for fiscal 2028. The fiscal 2027 rate is 56.288 cents per $100 of taxable value: 35.138 cents for maintenance and operations, two cents more than before, and 21.150 cents for debt service. The two outlets that gave a figure for the average homestead disagree: KSAT put it at about $49 more a year on a taxable value of $231,356, and the San Antonio Report at $35.43 on a $234,000 home. Senior and disabled homeowners with a tax freeze, about 47% of the city's homesteads, are unaffected (KSAT). The county, school district, University Health, San Antonio River Authority, Alamo Colleges and other levies on the same bill belong to the housing layer.
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.
Whether you need a car
| Measure | San Antonio | St. Petersburg | Advantage |
|---|---|---|---|
| System | VIA buses on 95 routes (three Primo rapid lines, 21 frequent and 70 standard) with 511 buses and 5,984 stops, VIA Link on-demand rideshare zones and paratransit (138 vehicles), across San Antonio, 13 smaller cities and unincorporated Bexar County; there is no rail, and the Green Line, the first of two Advanced Rapid Transit bus lines, is under construction | Pinellas 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 transit | 2.4% (2024) | 2.1% (2024) | San Antonio |
| Walk or cycle to work | 2.5% (2024) | 2.9% (2024) | St. Petersburg |
| Airport | San Antonio International Airport (SAT), about 8 miles north of downtown and with no airline hub, handled 10,740,694 passengers in 2025, 3.2% fewer than the record 11,094,278 of 2024, and a record 274,847,470 pounds of air cargo, up 15.7%, per the airport's year-end statistics report, which puts the passenger decline down to economic uncertainty and the federal government shutdown. The airport is building Terminal C, which it says will add more than 850,000 square feet and up to 18 domestic and international gates by mid-2028. | 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 |
VIA carried 30,665,700 unlinked trips in 2025 and about 105,800 a weekday in the second quarter of 2026 (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher), against 78.0 million for Houston's METRO and 52.8 million for DART. Bexar County voters created VIA in 1977 with a half-cent sales tax, and a city-only Advanced Transportation District approved in 2004 adds more. The VIA Rapid Green Line will run along San Pedro Avenue from San Antonio International Airport through downtown to Brooks Transit Center, with dedicated bus lanes and new signal-protected crossings. It is a $481 million project, $268 million of it a federal grant the Federal Transit Administration committed in December 2024; construction began in the summer of 2025, work is active along San Pedro, and the FTA's revenue service date is April 2028. The east-west Silver Line, from the Frost Bank Center area to General McMullen Drive, is in design and projected for late 2030.
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.
Health care, schools and what each city is like
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 San Antonio's rate was 18.0% (268,665 of 1,496,335), Bexar County's 15.8% and the metro's 14.5%. The South Texas Medical Center on the Northwest Side covers more than 900 acres around the medical school that opened there in 1968 and holds the Audie L. Murphy Memorial Veterans Medical Center and a dozen other hospitals; a UTSA study cited by the San Antonio Report in 2022 put its annual economic effect on the region at $24.5 billion. University Health, the Bexar County Hospital District, runs University Hospital there, a 716-bed teaching hospital and a Level I trauma center for adults and children, and the 300-bed Women's & Children's Hospital that opened on the same campus in 2023; it plans to open two community hospitals elsewhere in the county in 2027. Brooke Army Medical Center at Fort Sam Houston has about 8,500 staff. UT Health San Antonio, the clinical arm of UT San Antonio, counts more than 2.5 million patient visits a year. This file did not verify a wait time figure for primary or specialist care.
Education
No single school district covers the city. Northside ISD, the largest in the San Antonio area with about 98,000 students, faced a $35 million deficit in March 2026, down from nearly $108 million, and its superintendent said closures were possible but not expected for 2026-27 (KSAT). North East ISD lost about 2,000 students in 2025-26, now serves about 55,000, closed three campuses the year before and will accept students from anywhere in the region from 2026-27 (San Antonio Report). San Antonio ISD has closed 25 schools in the last decade and in March 2026 voted to close Rhodes Middle School and hand three other campuses to a charter operator, Third Future Schools, citing falling enrollment and state accountability ratings. Districts say they cannot yet tell how many students the state's new education savings accounts, which help pay private school tuition from 2026-27, will draw away. UT San Antonio, formed on 2 September 2025 when UTSA merged with UT Health San Antonio, has about 40,000 students and 17,000 employees and calls itself the third-largest public research university in Texas by research spending, and the Alamo Colleges District runs five community colleges.
Living there
San Antonio is the second city of Texas and the seventh-largest in the country, and unlike Dallas it is still growing inside its own limits: it added 14,359 residents in 2024-25, the third-largest gain of any US city, and 8.0% since 2020. The military has shaped it for three centuries, and Joint Base San Antonio, with 74,713 direct employees, sits beside the South Texas Medical Center and a tourism trade Visit San Antonio values at $23.4 billion as the pillars of the economy. Household income is lower than in Dallas or Austin, and 18.0% of residents have no health insurance. VIA runs buses only, 2.4% of workers take them and 68.2% drive alone, and the Green Line along San Pedro Avenue, the city's first rapid transit line, is due in April 2028. Summers are long and dry rather than humid, with 122 days a year at 90F or above and 75 at 100F in 2023, and water is the killer: the creeks rise within minutes, and a single night of rain on 12 June 2025 drowned 13 people. The open questions are fiscal and civic: the council raised the city's property tax rate for the first time since 1992 on a 7 to 4 vote the mayor opposed, with a second increase planned, and the big school districts are shrinking, closing campuses and competing for each other's students as the state's education savings accounts begin.
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.
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. San Antonio's is the San Antonio Board of REALTORS' median sale price for Bexar County, $280,999 in August 2026 on 2,068 sales, 3.1% below a year earlier, with no split by property type, because no city median is published; the city holds 72% of the county's residents. St. Petersburg's is Zillow's typical home value for the city across all homes, $355,759 in June 2026, 3.9% below a year earlier; it is the City's row in this site's Tampa Bay layer, which measures Tampa, St. Petersburg and twenty-two other municipalities around the bay on the same series, and no sale median is used beside it. On Zillow's index, the like-for-like measure, the City of San Antonio stood at $247,453 in August, 2.2% lower on the year, so the order holds and the gap widens, to about $108,000 from $74,760. At 20% down, San Antonio's $224,799 loan at 7.03%, Freddie Mac's rate for 24 September, costs about $1,500 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 $4,390 a year in San Antonio and about $6,248 in St. Petersburg with a homestead, 1.56% and 1.76% of the price, and insurance is budgeted at $250 and $390 a month, the St. Petersburg figure the layer's band for a coastal Tampa Bay address, inside the $3,900 to $5,500 a year its source gives for a single-family house in the city with wind cover, and neither with a flood policy in it. The three lines come to about $2,116 and $2,742, roughly 38% and 45% of each city's 2024 median household income; at 7.03% St. Petersburg's would be about $2,810. Of the $626 gap about $331 is the mortgage, which would be $399 at the same rate, $155 the property tax and $140 the insurance. Renting runs the same way and further. Zillow's observed rent index, the same measure in both, was $2,058 in St. Petersburg in June 2026 and $1,386 in San Antonio in August, about 34% and 25% of median income, and Apartment List's September medians for the City of San Antonio, a one-bedroom at $957 and a two-bedroom at $1,179, sit far 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 30 September and 1 October 2026. St. Petersburg is the lower on every line, narrowly on violence and widely on the rest. Its 1,325 violent offenses come to 502 per 100,000 against San Antonio's 532 on 8,241, and its 5,437 property offenses to 2,059 against 3,920 on 60,693. Homicide was 9 in St. Petersburg, about 3.4 per 100,000, against 106 in San Antonio, about 6.8; 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. San Antonio's violent offenses dropped 10% in 2025 and are 37% below the 2022 peak of 13,105, murders fell from 126 to 106, and motor vehicle theft fell from 19,090 in 2023 to 9,527. Both sets of counts come from a feed last refreshed on 15 September and can still be revised.
St. Petersburg has the milder winter and the gentler summer, and San Antonio the drier year. January averages 16.8 C at Albert Whitted Airport, on St. Petersburg's downtown waterfront about a mile east of the city's center, against 11.2 C at San Antonio International, with 0.1 nights a year at or below freezing against 14.0, and July 28.8 C against 29.3 C. San Antonio's normals count 122.4 days a year at 90F or above against 70.9, and 17.7 at or above 37.8 C (100F) against none; San Antonio International had 75 days of 100F in 2023, while Albert Whitted had 128 days at 90F or above in 2024, the most since 2010, and none at 100F. St. Petersburg gets 1,185 mm of rain a year, 63% of it from June through September, against San Antonio's 822 mm, and no snow on the normals against 0.5 cm; no sunshine figure for St. Petersburg is on the 1961-1990 series behind San Antonio's 2,629 hours. The floods come from different places. San Antonio's come off the Balcones Escarpment, where shallow soil over limestone sends rain straight into the creeks: 11.26 in (286 mm) fell at the airport on 17 October 1998, and on 12 June 2025 a storm over the Northeast Side killed 13 people, 11 of them along Beitel Creek. St. Petersburg's come from the bay. Hurricane Helene passed offshore on 26 September 2024, and the tide gauge at St. Petersburg, with a record back to 1947, measured 6.31 ft above mean higher high water, against a previous record of 3.97 ft in Hurricane Elena in 1985; twelve people drowned in the surge in Pinellas County, two of them in St. Petersburg, and the City assessed 13,494 parcels afterward, recording 5,189 with major damage and 146 destroyed. Two weeks later Milton came ashore at Siesta Key, about 35 miles south, as a Category 3; Albert Whitted measured 18.54 in (471 mm) of rain on 9 October and a gust of 101 mph, and the storm tore most of the fabric roof off Tropicana Field. Neither storm made landfall in the city, and the last hurricane to strike it directly was in 1921. Winter Storm Uri took San Antonio International to 9F (-12.8 C) in February 2021 while ERCOT cut power across the state grid, and Texas counted 16 of the storm's 246 deaths in Bexar County. On St. Petersburg's waterfront frost is almost unknown: one night at 32F (0 C), on 18 January 2018, since 2010.
Tampa Bay's labor market is about a third larger than San Antonio's, and the two are close in pace and unemployment. BLS counted 1,191,700 nonfarm jobs around San Antonio in August 2026, 0.5% more than a year earlier, and 1,559,600 in the Tampa-St. Petersburg-Clearwater metro, 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 4.7% around San Antonio and 4.8% in Tampa Bay, against 4.4% nationally. San Antonio is a military city: the Texas Comptroller counts 74,713 direct employees at Joint Base San Antonio in 2025, 33,256 of them on active duty, and Fort Sam Houston has Brooke Army Medical Center and Lackland the Air Force's basic military training. Beyond the bases it has health care and biosciences, which UT San Antonio calls a $44.1 billion sector, tourism, and the headquarters of H-E-B, USAA, Valero Energy and iHeartMedia. St. Petersburg is a headquarters town of a different 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 St. Petersburg residents work close to home: 14% of the city's workers worked outside Pinellas County in 2024. Neither profile carries a wage figure. City median household income was $66,176 in San Antonio and $73,048 in St. Petersburg in 2024, the latter with a margin of error of $4,441 either way, and the metros' are level, $78,112 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 San Antonio, 0.875% of it for transit, against 7% in Pinellas County, whose last cent is the Penny for Pinellas, renewed to 2029. The nominal rates are close and the exemptions are not. San Antonio's seven units add to 2.290174 per $100, and Texas takes $140,000 off the school levy while Bexar County, University Health and the City take 20% off a homestead. 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, and 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 San Antonio's seven units would charge about $5,935 against $6,248, and on $280,999 the St. Petersburg stack would charge about $4,759 against San Antonio's $4,390.
Neither is a transit city, and the two are close. In 2024, 2.4% of San Antonio 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; 68.2% of San Antonio's workers drove alone against 65.6%, and 11.1% and 21.3% worked from home. VIA carried 30,665,700 trips in 2025, all by bus, and has levied its sales tax since 1978; its first rapid line, the VIA Rapid Green Line, a $481 million project with a $268 million federal grant, will run on dedicated bus lanes along San Pedro Avenue from the airport through downtown and is due in April 2028. The Pinellas Suncoast Transit Authority carried 10,441,618 trips across the county in 2025, about a third of VIA'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 St. Petersburg has no passenger rail. San Antonio International handled 10,740,694 passengers in 2025 and is building Terminal C, with up to 18 gates, for mid-2028. 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 where the two states part most. Neither Texas nor Florida has expanded Medicaid, but Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of San Antonio's was 18.0%, while Florida's was 10.9% and the City of St. Petersburg's 7.3%, against 8.2% nationally. The hospitals differ in reach. University Health runs University Hospital in the South Texas Medical Center, 716 beds and a Level I trauma center for adults and children. 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. No single district covers San Antonio: Northside ISD, the largest in the area with about 98,000 students, faced a $35 million deficit in March 2026, and San Antonio ISD has closed 25 schools in a decade. 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. UT San Antonio, formed by a merger with UT Health San Antonio in September 2025, has about 40,000 students. 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 two are growing in opposite directions and the flood rules reach further than the premium. San Antonio added 14,359 residents in 2024-25, the third-largest gain of any US city, and has grown 8.0% since 2020, and Bexar County gained 2,505 more residents from the rest of the country than it lost. St. Petersburg lost 1,822 in the year of the two storms, the third-steepest percentage loss of the 92 US cities of 250,000 or more, and has grown 2.2% since 2020, in a county that lost 11,834 people in 2024-25 and where deaths have outnumbered births every year since 2020. 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 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 two councils voted on the same night, 17 September 2026, in different directions: San Antonio's, by 7 to 4, raised the City's rate from 54.159 cents to 56.288 for fiscal 2027, its first increase since 1992, to help close a $158 million deficit over two years, with a second increase planned, and St. Petersburg's, by 6 to 2, kept the City's at 6.4525 mills, above the rolled-back rate. Without a homestead the two would owe $6,435 in San Antonio and $7,087 in St. Petersburg. In San Antonio's extraterritorial jurisdiction Bexar County has created 24 special improvement districts for new subdivisions, 22 of them levying 0.54159 per $100. 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 one, 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. At closing Texas has no transfer tax and no tax on the loan, and the seller customarily buys the buyer's owner's title policy, $1,674 on the Bexar 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 $300 in San Antonio, because no authority publishes a St. Petersburg average and its waterfront buildings span every vintage since the 1960s.
Better here
- Mortgage, property tax and insurance come to about $2,116 a month on the Bexar County median, roughly 38% 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.
- Zillow's observed rent index was $1,386 in August against $2,058 in St. Petersburg, and a median one-bedroom in the city rented for $957 in September 2026.
- A homesteaded owner pays about 1.56% of the median in property tax against 1.76%, and insurance is budgeted at $250 a month against $390.
- Joint Base San Antonio had 74,713 direct employees in 2025, and H-E-B, USAA, Valero Energy and iHeartMedia have their headquarters in the city.
- VIA carried 30,665,700 trips in 2025 against PSTA's 10,441,618, and San Antonio International handled 10,740,694 passengers against 2,794,067 at St. Pete-Clearwater.
- The city added 14,359 residents in 2024-25, the third-largest gain of any US city, where St. Petersburg lost 1,822.
Worse here
- Violent crime ran 532 per 100,000 in 2025 against 502 in St. Petersburg, property crime 3,920 against 2,059, and there were 106 homicides against 9, on the same FBI counts.
- The City of San Antonio's uninsured rate was 18.0% in 2024 against 7.3% in the City of St. Petersburg.
- The normals count 17.7 days a year at or above 37.8 C (100F) against none in St. Petersburg, and 2023 had 75.
- Flash floods come within minutes: 13 people died on 12 June 2025, 11 of them along Beitel Creek.
- The City raised its own property tax rate for the first time since 1992 on a 7 to 4 vote in September 2026, with a second increase planned.
- City median household income was $66,176 in 2024, about $6,900 below St. Petersburg's $73,048.
Choose San Antonio if
- you are posted to Joint Base San Antonio, or work in military medicine, health care, insurance at USAA, or tourism
- you want to own at about $2,116 a month rather than $2,742, or rent for much less
- you want a growing city with an airport of its own and buses with a rapid line on dedicated lanes due in 2028
- you will take 100F summers and flash floods on the creeks over a hurricane coast
The San Antonio guide · Neighborhoods · San Antonio rent vs buy · San Antonio mortgage calculator
Better here
- Violent crime ran 502 per 100,000 in 2025 against 532 in San Antonio, property crime 2,059 against 3,920, and there were 9 homicides, about 3.4 per 100,000, against 106.
- The City of St. Petersburg's uninsured rate was 7.3% in 2024 against 18.0% in the City of San Antonio.
- January averages 16.8 C with 0.1 freezing nights a year, against 11.2 C and 14.0 at San Antonio International, and the normals count no days at 100F against 17.7.
- City median household income was $73,048 in 2024 against $66,176, and sales tax is 7% against 8.25%.
- The City kept its own rate at 6.4525 mills for fiscal 2027, where San Antonio raised its rate for the first time since 1992.
- Raymond James, Jabil and Duke Energy Florida have their headquarters in the city, and Johns Hopkins All Children's runs a Level I pediatric trauma center.
Worse here
- Mortgage, property tax and insurance come to about $2,742 a month on the June 2026 typical home, roughly 45% of the city's median household income, against $2,116 and 38% in San Antonio.
- Zillow's observed rent index was $2,058 in June 2026, about 34% of median income, against $1,386 and 25% in San Antonio.
- Insurance is budgeted at $390 a month against $250 and excludes flood, and Helene put 6.31 ft of surge above mean higher high water at the city's tide gauge in 2024.
- The City assessed 13,494 parcels after Helene, 5,189 of them with major damage and 146 destroyed.
- The city lost 1,822 residents in 2024-25, the third-steepest percentage loss of the 92 US cities of 250,000 or more.
- 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 a much lower uninsured rate
- you want a mild winter and no 100F days, and will buy on elevation and flood zone first
- you work in finance, insurance, health care or engineering at one of the city's headquarters or hospitals, or work from home, as 21.3% of its workers do
- you would pay about $626 a month more to own for a smaller city on the bay
The St. Petersburg guide · Neighborhoods · St. Petersburg rent vs buy · St. Petersburg mortgage calculator
San Antonio or St. Petersburg, in short
Is San Antonio or St. Petersburg cheaper to live in?
San Antonio, to own and to rent, by a wide margin. Both cities price in US dollars, though the headlines are different instruments: the San Antonio Board of REALTORS' median for Bexar County, $280,999 in August 2026, every home type together, 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, the City of San Antonio stood at $247,453. The mortgage at 20% down is about $1,500 against $1,831, though San Antonio's uses September's 7.03% rate and St. Petersburg's August's 6.67%. Property tax is $4,390 a year against about $6,248 with a homestead and insurance $250 a month against $390, so the three lines come to about $2,116 in San Antonio and $2,742 in St. Petersburg, or $2,810 at the same 7.03%, roughly 38% and 45% of each city's median household income, $66,176 and $73,048. Neither includes flood cover. Zillow's observed rent index was $1,386 in San Antonio in August and $2,058 in St. Petersburg in June. Neither state taxes income, and sales tax is 8.25% in San Antonio against 7% in Pinellas County.
Is San Antonio or St. Petersburg safer?
St. Petersburg, on every line, on figures built the same way, though narrowly on violent crime. Both are the FBI's summarized counts for 2025 divided by Census estimates, read on 30 September and 1 October 2026. Violent offenses ran 502 per 100,000 in St. Petersburg against 532 in San Antonio, property offenses 2,059 against 3,920, and homicide was 9 in St. Petersburg, about 3.4 per 100,000, against 106 in San Antonio, about 6.8. Both are improving: San Antonio's violent offenses dropped 10% in 2025 and St. Petersburg's were 19% below 2024, with 10 homicides on its police's own count, the fewest since 1967. 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, San Antonio or St. Petersburg?
They are close. BLS counted 1,191,700 nonfarm jobs around San Antonio in August 2026, 0.5% more than a year earlier, and 1,559,600 in the Tampa-St. Petersburg-Clearwater metro, 0.9% more. On the same unadjusted basis unemployment was 4.7% around San Antonio and 4.8% in Tampa Bay in July, and metro median household income was level in 2024, $78,112 and $78,275. San Antonio's work leans on Joint Base San Antonio, health care and biosciences, tourism, and headquarters such as H-E-B, USAA and Valero Energy. St. Petersburg's leans on finance and insurance, with Raymond James and Franklin Templeton, on its hospitals and on Jabil's engineering, and 86% of its workers stay in Pinellas County. Neither profile carries a wage figure.
What does buying cost beyond the price in San Antonio and in St. Petersburg?
Closing taxes and flood rules in St. Petersburg, and a reset in both. Texas has no transfer tax and no tax on the loan, and the seller customarily buys the buyer's owner's title policy, $1,674 on the Bexar County 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. In both states the seller's tax bill is no guide: Save Our Homes resets a Florida assessment to market value the January after a sale, the Texas 10% homestead cap lapses on a sale, and each exemption has to be filed; without one the two would owe $6,435 in San Antonio and $7,087 in St. Petersburg. Bexar County's special improvement districts levy 0.54159 per $100 on new subdivisions outside the city. Neither carry here includes flood insurance, and in St. Petersburg the elevation certificate prices it 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.
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.
- 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
- 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, Character
- 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
- Crime Data Explorer summarized agency data, San Antonio Police Department (TXSPD0000): 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
- Crime in San Antonio dropped 13% in 2025, SAPD report says · KSAT · retrieved Supports: Violent crime rate, Homicides, Crime trend
- San Antonio sees 20% drop in homicides in 2025, new report shows · San Antonio Report · retrieved Supports: Homicides, Crime trend
- US Climate Normals 1991-2020, station USW00012921 San Antonio International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, Climate hazards, Character, January 52.2F, July 84.8F and August 85.5F from the monthly series, and annual mean 69.6F, precipitation 32.38 in, snowfall 0.2 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
- Global Historical Climatology Network daily summaries, San Antonio International Airport (USW00012921), 1946-2026 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards, Character, 11.26 in on 17 October 1998, 9.87 in on 25 May 2013, 6.11 in on 12 June 2025, 75 days at or above 100F in 2023 and 23 in a row from 30 July to 21 August 2023, 59 in 2009, 58 in 2022, 24 in 2026 through 22 September, 111F on 5 September 2000, 6.2 in of snow from 14 to 18 February 2021 and 9F on 15 February 2021, 6F on 23 December 1989, 0F on 31 January 1949, 13.2 in of snow on 12 January 1985
- October 1998 Flood Event (South Central Texas) · National Weather Service, Austin/San Antonio · retrieved Supports: Climate hazards
- Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved Supports: Sunshine hours, Climate normals
- 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
- October 1998 Central Texas floods · Wikipedia · retrieved Supports: Climate hazards
- 12 years ago, San Antonio's Highway 281 was submerged by record flooding during Memorial Day weekend · KSAT · retrieved Supports: Climate hazards
- Texas flash floods kill 2 in San Antonio · CBS News · retrieved Supports: Climate hazards
- It's San Antonio's deadliest flood year in 27 years. What's going on? · San Antonio Report · retrieved Supports: Climate hazards, Character
- February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved Supports: Climate hazards
- The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved Supports: Climate hazards, Main sectors
- ACS 2024 1-year tables B08301 and B19013 for San Antonio city and the San Antonio-New Braunfels MSA · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
- ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Bexar County, San Antonio city and the San Antonio-New Braunfels MSA · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Health care, Character
- Local Area Unemployment Statistics, San Antonio-New Braunfels, TX MSA (LAUMT484170000000003), Bexar County, the Houston, Dallas-Fort Worth and Austin MSAs, and the US rate (LNU04000000), not seasonally adjusted · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate
- Current Employment Statistics, San Antonio-New Braunfels, TX MSA: total nonfarm (SMU48417000000000001, SMS48417000000000001) and supersectors (SMU484170xx00000001) · US Bureau of Labor Statistics · retrieved Supports: Main sectors, Labour market
- Joint Base San Antonio (Texas military installations economic impact, 2025) · Texas Comptroller of Public Accounts · retrieved Supports: Main sectors, Labour market, Health care, Character
- Why SATX (Joint Base San Antonio, Military City USA) · Greater SATX Regional Economic Partnership · retrieved Supports: Main sectors, Labour market
- Visit San Antonio celebrates National Travel and Tourism Week 2026 · Visit San Antonio · retrieved Supports: Main sectors, Character
- UTSA and UT Health San Antonio complete merger to become The University of Texas at San Antonio · UT San Antonio · retrieved Supports: Main sectors, Labour market, Health care, Education
- USAA (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- H-E-B (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- Valero Energy (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- iHeartMedia (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Transit Sales and Use Tax (San Antonio MTA, effective January 1, 1978; San Antonio ATD, effective April 1, 2005, raised January 1, 2026) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax, Transit system, Transit ridership
- City's proposed plan: Collect sales tax for 4 years before revenue goes to VIA · San Antonio Report · retrieved Supports: Sales tax
- Texas Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes
- 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved Supports: Tax notes
- San Antonio approves first property tax hike in 34 years · KSAT · retrieved Supports: Tax notes, Character
- San Antonio council passes FY 2027 budget with higher property tax revenue and fees · News 4 San Antonio · retrieved Supports: Tax notes
- San Antonio approves first tax increase in more than 30 years · San Antonio Report · retrieved Supports: Tax notes, Character
- VIA Metropolitan Transit (routes, fleet, stops, history, Green and Silver lines) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- Template:American transit ridership (APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved Supports: Transit ridership
- Construction Updates, VIA Rapid Green Line · VIA Metropolitan Transit (Keep SA Moving) · retrieved Supports: Transit system, Transit ridership, Character
- When will San Pedro construction be complete? Here's what VIA says about progress on the Green Line. · KSAT · retrieved Supports: Transit ridership, Character
- San Antonio locks down federal funding for $480M Green Line · San Antonio Report · retrieved Supports: Transit ridership, Sales tax
- December & Year End 2025 Statistics · San Antonio International Airport · retrieved Supports: Airport passengers
- December 2024 Statistics (2024 passenger record) · San Antonio International Airport · retrieved Supports: Airport passengers
- Terminal Development Program (ELEVATE/SAT) · San Antonio International Airport · retrieved Supports: Airport passengers
- San Antonio International Airport (location, airlines, 2025 statistics) · Wikipedia · retrieved Supports: Airport passengers, Climate normals
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- San Antonio Medical Foundation marks 75th anniversary · San Antonio Report · retrieved Supports: Health care, Main sectors
- About Us · University Health · retrieved Supports: Health care
- University Hospital · University Health · retrieved Supports: Health care
- University Health (University Hospital beds, Women's & Children's Hospital) · Wikipedia · retrieved Supports: Health care
- Northside ISD faces $35 million deficit, but does not anticipate layoffs · KSAT · retrieved Supports: Education
- Like other San Antonio districts, NEISD drops its boundaries · San Antonio Report · retrieved Supports: Education, Character
- San Antonio ISD cites declining enrollment, poor academics for school closure · KSAT · retrieved Supports: Education, Character
- Alamo Colleges District (five colleges) · Wikipedia · retrieved Supports: Education
- 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
- St. Petersburg, Florida (history, geography, economy, arts, education, transportation) · Wikipedia · retrieved Supports: Climate normals, Climate hazards, Main sectors, Labour market, Transit system, Education, Character
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- Tropicana Field roof damaged by Hurricane Milton, downtown St. Pete crane snapped · Bay News 9 · retrieved Supports: Climate hazards
- Tropicana Field (Milton damage, 2025 season at Steinbrenner Field, return on 6 April 2026) · Wikipedia · retrieved Supports: Climate hazards, Character
- A new Rays stadium in Tampa gets clinching Hillsborough County approval · WUSF · retrieved Supports: Character
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- Florida Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes
- 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)
- 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
- 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
- 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
- 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
- Pinellas Suncoast Transit Authority (history, routes, SunRunner, Cross-Bay Ferry) · Wikipedia · retrieved Supports: Transit system
- St. Pete-Clearwater International Airport (location, owner, airlines, annual passenger traffic 2024 and 2025) · Wikipedia · retrieved Supports: Airport passengers
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- Orlando Health Bayfront Hospital · Wikipedia · retrieved Supports: Health care, Main sectors
- Johns Hopkins All Children's Hospital · Wikipedia · retrieved Supports: Health care, Main sectors
- Pinellas County School Board considers closing schools due to low enrollment · Bay News 9 · retrieved Supports: Education
- Pinellas County Schools move forward with closures, consolidations as enrollment declines district wide · FOX 13 · retrieved Supports: Education
- San Antonio home sales rise 4% in August as prices hold steady · San Antonio Board of REALTORS · retrieved Supports: Bexar County: 2,068 home sales in August 2026, up 8.8% on the year, at a median price of $280,999, down 3.1%, and an average of $336,979, down 2.6%, The San Antonio area MLS: 3,104 sales, up 4%, at a median of $299,275 and an average of $372,989, released 10 September 2026, The release's table: an area median of $310,000 in August 2025 and $313,995 in August 2024, although its prose calls the median unchanged on the year, 5.87 months of inventory, 16,940 active listings and an average of 82 days on the market, 5,024 active residential rental listings at an average monthly rent of $1,832, down 2%, SABOR's membership serving Atascosa, Bee, Bexar, Frio, Karnes, Kendall, La Salle, Maverick, McMullen, Medina, Uvalde, Val Verde and Wilson counties
- South Texas market report: monthly releases · San Antonio Board of REALTORS · retrieved Supports: The monthly MLS releases for January through August 2026, reporting the San Antonio area and Bexar County and no City of San Antonio figure
- Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved Supports: A typical home value of $247,453 for the city of San Antonio (region 6915) in August 2026, $253,000 in August 2025, so a fall of 2.2% over the year
- Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved Supports: A typical single-family value of $249,206 in the city of San Antonio in August 2026, against $254,823 a year earlier, down 2.2%, A typical condominium value of $167,371 in the same month, against $174,092, down 3.9%, 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
- San Antonio Rent Report, October 2026 · Apartment List · retrieved Supports: A median rent of $957 for a one-bedroom and $1,179 for a two-bedroom in the city of San Antonio, and $1,121 across all bedroom sizes, Rents down 0.2% over September and down 4.3% over the past 12 months, against -2.1% for the state
- Apartments for rent in San Antonio, TX: average rent · Apartment List · retrieved Supports: Average listed rents of $1,069 and up for a studio, $1,141 and up for one bedroom, $1,477 and up for two, and $1,887 and up for three or more
- FY 2026 fair market rents, San Antonio-New Braunfels, TX HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved Supports: FY 2026 fair market rents of $1,177 for one bedroom, $1,426 for two and $1,830 for three, as gross rents including utilities, Housing Choice Voucher programs in the metro using Small Area Fair Market Rents set by ZIP code
- Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved Supports: An observed rent index of $1,386 for the city of San Antonio in August 2026, against $1,406 a year earlier, down 1.39%
- 2025 official tax rates and exemptions · Bexar County Tax Assessor-Collector · retrieved Supports: 2025 rates per $100: Bexar County 0.276331, Road and Flood Control Fund 0.023668, Hospital District 0.276235, City of San Antonio 0.541590, Northside ISD 1.004900, San Antonio ISD 1.155200, Alamo Community College District 0.149150, San Antonio River Authority 0.018300, Homestead exemptions of $5,000 or 20% for Bexar County, the Hospital District and the City; $3,000 and 20% for the Road and Flood Control Fund; $5,000 or 1% for the college district; $5,000 or 4% for the River Authority; $140,000 for Northside ISD; $140,000 and 0.01% for San Antonio ISD, San Antonio Municipal Utility District No. 1 at 0.20, twelve emergency service districts at up to 0.10, and 24 special improvement districts, 22 of them at 0.541590, The Downtown Public Improvement District at 0.15, and 0.09 on condominiums, Official tables from 2005 to 2025 and none yet for 2026, from https://www.bexar.org/1591/Tax-Rates
- 2024 actual tax rates and 2025 actual tax rates, as of 5 December 2025 · Bexar Appraisal District · retrieved Supports: The same 2025 rates to the sixth decimal, and each unit's 2024 rate beside it: the City, the county, the Road and Flood fund, the Hospital District, the college district and Northside ISD unchanged, and the River Authority up from 0.017870, Local option homestead exemptions not less than $5,000, and the Road and Flood fund's $3,000 homestead exemption, Redbird Ranch water districts at 1.00 per $100
- 2025 tax rate calculation worksheets: City of San Antonio · Bexar County Tax Assessor-Collector · retrieved Supports: A debt rate of 0.21150 per $100 within the City's 0.54159, leaving 0.33009 for maintenance and operations, The same 0.54159 adopted for the 2024 tax year
- Valuing property: limitation on residence homestead value increases · Texas Comptroller of Public Accounts · retrieved Supports: A residence homestead's appraised value may not rise more than 10% a year once the owner has qualified in the preceding and current year
- Property tax protests and appeals · Texas Comptroller of Public Accounts · retrieved Supports: A protest deadline of 15 May or 30 days after the appraisal district mails the notice of appraised value, whichever is later
- 2020 block assignment files, Texas: unified school districts and places · United States Census Bureau · retrieved Supports: Read with the 2020 redistricting file's block populations, at https://www2.census.gov/programs-surveys/decennial/2020/data/01-Redistricting_File--PL_94-171/Texas/tx2020.pl.zip, Of the City of San Antonio's 1,434,625 residents in 2020: 468,901 in Northside ISD, 368,830 in North East ISD, 298,175 in San Antonio ISD, 59,802 in Harlandale ISD, 56,792 in Edgewood ISD and 45,376 in South San Antonio ISD, 298,175 of San Antonio ISD's 300,690 residents inside the city, and 468,901 of Northside ISD's 665,676
- 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved Supports: A land area of 498.979 square miles and a water area of 5.735 square miles for San Antonio city
- Extraterritorial Jurisdiction (ETJ) · City of San Antonio Planning Department · retrieved Supports: The ETJ as the unincorporated land within five miles of the City's boundaries and not within another city's limits or ETJ, The area in which the City may annex land, with the consent of the landowner or voter approval, Senate Bill 2038, effective 1 September 2023, establishing a petition and election process for releasing property from a city's ETJ
- ETJ planning · City of San Antonio Planning Department · retrieved Supports: Two Military Protection Areas, within five miles of Camp Bullis and the Lackland Training Annex, developed as a direct result of a 2017 state law curtailing unilateral annexation by Texas cities
- Annexation and growth management policy, adopted 31 August 2023 · City of San Antonio Planning Department · retrieved Supports: Senate Bill 6 (2017) curtailing the annexation powers of cities in counties of more than 500,000 people, such as San Antonio, and requiring landowner or voter approval, Elections called in 2018 for areas within five miles of Camp Bullis-Camp Stanley and Lackland Air Force Base-Medina Training Annex, where owners chose land use controls rather than annexation, Chapter 382 public improvement districts created by the county with the City's written consent as the most common special district request
- Public improvement districts and special districts · City of San Antonio Planning Department · retrieved Supports: Special districts in the City's ETJ, including Chapter 382 public improvement districts, also called special improvement districts, water control and improvement districts and fresh water supply districts, Districts created by the county at a landowner's request with the City's consent, conditioned through development agreements
- Our history · CPS Energy · retrieved Supports: The nation's largest public power, natural gas and electric company, serving more than 996,000 electric and 399,000 natural gas customers, $10.6 billion in revenue generated for the City of San Antonio since 1942, Acquired by the City of San Antonio on 24 October 1942
- Edwards Aquifer · San Antonio Water System · retrieved Supports: About 47%, some 154,000 acre-feet, of the water SAWS customers used in 2025 came from the Edwards Aquifer, Permitted withdrawals subject to cutbacks of zero to 44% in critical periods
- Water supplies · San Antonio Water System · retrieved Supports: In 1995 all of San Antonio's water came from the Edwards Aquifer; SAWS now manages 13 supply projects from seven sources
- Stage 3 watering rules · San Antonio Water System · retrieved Supports: Stage 3 rules in effect on 30 September 2026: landscape watering once a week, on the customer's day, from 5 to 10 a.m. and 9 p.m. to midnight
- Stormwater fee · San Antonio Water System · retrieved Supports: SAWS bills the City of San Antonio's stormwater fee on the City's behalf, Residential rates of $3.75 a month up to 2,750 square feet of impervious area, $4.94 to 4,220 square feet and $10.45 above it
- Solid waste rates and fees · City of San Antonio Solid Waste Management Department · retrieved Supports: Monthly totals of $19.76, $25.26 and $35.75 for the small, medium and large garbage cart, including the $3.00 solid waste and $2.00 parks environmental fees, The fee shown and collected on the CPS Energy bill, with no additional fee for the recycling and organics carts
- June 11 to 12, 2025 San Antonio area flood event · National Weather Service, Austin/San Antonio · retrieved Supports: 13 fatalities from flooding across the San Antonio area, 12 in the Beitel Creek basin and one in the Leon Creek basin, 15 vehicles swept into Beitel Creek from the Loop 410 frontage road near Perrin Beitel Road, 3.98 inches of rain in one hour at San Antonio International Airport, the highest hourly rate on record since 1934
- San Antonio, TX · Texas State Historical Association, Handbook of Texas · retrieved Supports: The flood of 9 and 10 September 1921, which put up to twelve feet of water downtown and killed at least fifty-one people, and the Olmos Dam and river bypass built after it
- Home, flood, wind: which policies do you need? · Texas Department of Insurance · retrieved Supports: Most home policies do not cover floods; a flood policy covers damage from rising water
- 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
- Texas homeowners insurance market overview · Texas Department of Insurance · retrieved Supports: A statewide average homeowners premium of $3,489 a year
- How much is homeowners insurance in San Antonio, TX? · Insure.com · retrieved Supports: An average San Antonio premium of $2,866 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026, An average of $2,222 a year for $200,000 of dwelling cover
- Texas homeowners insurance · NerdWallet · retrieved Supports: An average San Antonio premium of $4,565 a year for $500,000 of dwelling cover, $300,000 of liability and a $1,000 deductible, updated 20 February 2026
- Renters insurance in Texas · NerdWallet · retrieved Supports: An average San Antonio renters premium of $167 a year, $14 a month, for $30,000 of personal property, updated 23 September 2026
- Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, San Antonio city · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median monthly association fee of $60 among San Antonio owner-occupied units that pay one, 110,122 of 295,530 owner-occupied units, or 37.3%, paying such a fee, and 4,864 paying $500 or more a month
- Homeownership Incentive Programs (HIP) · City of San Antonio Neighborhood and Housing Services Department · retrieved Supports: HIP 80: $1,000 to $30,000 as a 0% interest, no-payment second loan, the first $15,000 forgiven over five years and the rest over ten, on an existing home up to $260,000 or a new one up to $284,000, with 2026 income limits of $56,350 for one person to $80,500 for four, HIP 120: $1,000 to $15,000, 75% forgiven over ten years and 25% perpetual, on an existing home up to $301,700 or a new one up to $332,800, with income limits of $84,500 for one person to $120,700 for four, A HUD-approved eight-hour homebuyer class, a home inside the city limits and a $500 minimum earnest money deposit
- HIP 80 and HIP 120 general information · City of San Antonio Neighborhood and Housing Services Department · retrieved Supports: Both programs for income-eligible first-time homebuyers buying a primary residence, which must pass a HIP property review and inspection, The remaining balance repaid in part on a change of ownership, a sale or a cash-out refinance, from this sheet and the HIP 120 sheet at https://www.sa.gov/files/assets/main/v/5/nhsd/documents/hip120-generalinformation.pdf
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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