Saint Petersburg, FL Rental Market for Investors
An estimated 33% of Saint Petersburg's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.
Homes in Saint Petersburg that pencil right now
A sample of active Saint Petersburg listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.
$139,000DSCR 1.572 bed · 2 bath · 1,035 sqft
- STR revenue
- $40,382/yr
- Est. interest-only payment
- $1,719/mo
On the market 487 days · Listed by Coastal Properties Group
Scout this home & market: 2-bed condo in Saint Petersburg
$150,000DSCR 1.421 bed · 1 bath · 535 sqft
- STR revenue
- $25,256/yr
- Est. interest-only payment
- $1,187/mo
On the market 25 days · Listed by Luxury & Beach Realty, Inc
Scout this home & market: 1-bed condo in Saint Petersburg
$194,999DSCR 1.623 bed · 1 bath · 1,020 sqft
- STR revenue
- $32,596/yr
- Est. interest-only payment
- $1,344/mo
On the market 130 days · Listed by MAINSTAY BROKERAGE LLC
Scout this home & market: 3-bed house in Saint Petersburg
$239,900DSCR 1.332 bed · 1 bath · 993 sqft
- STR revenue
- $29,378/yr
- Est. interest-only payment
- $1,473/mo
On the market 368 days · Listed by EJI & Associates LLC
Scout this home & market: 2-bed house in Saint Petersburg
$268,800DSCR 1.493 bed · 1 bath · 830 sqft
- STR revenue
- $42,239/yr
- Est. interest-only payment
- $1,892/mo
On the market 89 days · Listed by DALTON WADE INC
Scout this home & market: 3-bed house in Saint Petersburg
$299,000DSCR 1.302 bed · 1 bath · 920 sqft
- STR revenue
- $41,868/yr
- Est. interest-only payment
- $2,147/mo
On the market 123 days · Listed by KEY PREMIER REALTY
Scout this home & market: 2-bed house in Saint Petersburg
$324,900DSCR 1.303 bed · 1 bath · 850 sqft
- STR revenue
- $40,297/yr
- Est. interest-only payment
- $2,064/mo
On the market 6 days · Listed by ALL FLORIDA PREMIER REALTY GROUP LLC
Scout this home & market: 3-bed house in Saint Petersburg
$359,900DSCR 1.614 bed · 3 bath · 1,470 sqft
- STR revenue
- $55,984/yr
- Est. interest-only payment
- $2,318/mo
On the market 32 days · Listed by Mark Spain Real Estate
Scout this home & market: 4-bed house in Saint Petersburg
$465,000DSCR 2.114 bed · 2 bath · 1,100 sqft
- STR revenue
- $87,426/yr
- Est. interest-only payment
- $2,757/mo
On the market 67 days · Listed by beycome.com
Scout this home & market: 4-bed house in Saint Petersburg
As of August 2026, we analyzed 1,830 active for-sale homes in Saint Petersburg, Florida. The typical listing is priced at $485,000 and is projected to generate about $41,555 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 33.0% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Saint Petersburg #163 of 200 for cash-flow potential.
On market momentum: homes in Saint Petersburg sit a median of 82 days on the market, and 22% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Saint Petersburg runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Saint Petersburg
Cash-flow is the exception rather than the rule in Saint Petersburg right now: 210 of the 1,404 Saint Petersburg homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $450,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| Under $150k | — | 75%1.56 | — | — | — |
| $150k–$250k | 7%0.88 | 35%1.12 | 78%1.55 | — | — |
| $250k–$350k | 0%0.79 | 11%0.92 | 64%1.37 | 56%1.35 | — |
| $350k–$500k | 0%0.60 | 1%0.73 | 21%1.02 | 26%1.10 | — |
| $500k+ | — | 0%0.44 | 2%0.59 | 3%0.60 | 9%0.75 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Saint Petersburg in full
| Active for-sale homes analyzed | 1,830 |
|---|---|
| Median list price | $485,000 |
| Median projected STR revenue (annual, gross) | $41,555 |
| Median average daily rate (ADR) | $185 |
| Median occupancy | 63% |
| Median beds | 3 |
| Median size | 1,455 sqft |
| Estimated cash-flow-positive share | 33.0% |
| Median days on market | 82 days |
| New listings (last 30 days) | 21.5% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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