Fix & Flip Calculator — Tampa, FL

Pre-filled with 2026 Tampa numbers so you're underwriting to the local market, not to national averages.

Median ARV: $485,000
Median purchase: $385,000
Avg rehab: $45,000
Days on market: 22 days
Property tax: 1%
Insurance / yr: $3,500
Hard money rate: 11.5%
Typical hold: 5–6 months

Deal inputs

Adjust anything — results update instantly.

The deal

After-repair value (ARV)

What the finished home sells for at retail.Purchase price

Rehab budget

Add 15% contingency to your line-item estimate.Holding period

months

Financing

Loan-to-cost

90%

Typical hard money: 85–90% LTC.Interest rate

Loan points

Origination points paid on the loan amount.

Holding costs (monthly)

Property tax

% / yr

Applied to ARV over the holding period.Insurance (annual)

Utilities / month

HOA / month

Transaction costs

Purchase closing costs

% of purchase

Selling costs

% of ARV

Agent commission + closing on the sale.

Projected net profit

-$26,718

ROI (cash)

-31.1%

Annualized

-62.2%

70% Rule check

Fails

Max allowable offer at 70% of ARV minus rehab:

$294,500

You're $90,500 over the rule.

75%

$318,750

70%

$294,500

80%

$343,000

Cost breakdown

Purchase price: $385,000
Rehab budget: $45,000
Interest: $22,253
Loan points: $7,740
Property tax: $2,425
Insurance: $1,750
Utilities: $1,050
Purchase closing: $7,700
Selling costs: $38,800
Total project cost: $511,718
Cash in deal (down + rehab out-of-pocket): $43,000
Break-even sale price: $511,718

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What's different about flipping in Tampa

Tampa cooled sharply after the 2022 peak. Underwrite to today's comps, not last year's — and always inspect for flood zone before an offer.

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