Bloomingdale · Valrico · FishHawk

Brandon
Mortgages

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Brandon is an unincorporated suburb east of Tampa and one of Hillsborough County's busiest first-time-buyer markets. It runs from established neighborhoods near Westfield Brandon out to Bloomingdale, Valrico and the master-planned communities toward Lithia, with easy access to I-75, I-4 and the Selmon Expressway.

Serving: Brandon · Bloomingdale · Valrico · Seffner · Lithia · FishHawk Ranch

Brandon by the numbers

Median single-family
$410,000
Tampa–St. Petersburg–Clearwater metro, Aug 2026 (+2.5% year over year)
Median condo / townhouse
$274,000
Tampa–St. Petersburg–Clearwater metro, Aug 2026
2026 FHA limit
$541,287
Hillsborough County, one unit
2026 conforming limit
$832,750
Above this is a jumbo loan

Median prices: Florida Realtors, August 2026 metro report. These are metro-wide figures, not Brandon alone. Loan limits: HUD and FHFA.

Most Brandon homes sit under Hillsborough County's FHA limit, which keeps FHA, conventional and down payment assistance open to most buyers. Larger homes in FishHawk Ranch and Lithia can run higher.

What buyers in Brandon should know

Where buyers look

Homestead and property taxes

File for the homestead exemption with the Hillsborough County Property Appraiser by March 1 of the year after you close. Your bill resets to the new assessed value after a sale, so don't budget on the seller's taxes.

Hillsborough County limits & costsTampa Bay regionClosing cost calculator

Nearby: Tampa · Riverview

Common Questions

Brandon Mortgage FAQ

What is the conforming loan limit in Brandon / Hillsborough County for 2026? +
The 2026 conforming loan limit for Hillsborough County is $832,750 for a single-family home. Loans above this threshold require a jumbo mortgage.
What is the FHA loan limit in Brandon / Hillsborough County? +
The 2026 FHA loan limit for a single-family home in Hillsborough County is $541,287. FHA loans offer a low down payment and have flexible credit guidelines; minimum scores vary by lender.
Is FHA a good fit for a Brandon home? +
Often. Hillsborough County's 2026 FHA limit is $541,287 for a one-unit home, which covers most Brandon resales. FHA allows a low down payment and credit scores from 580, though conventional can be the better choice with stronger credit. We can compare both on your numbers.
Do you help with Hometown Heroes in Brandon? +
Yes. Florida's Hometown Heroes program offers down payment and closing cost help to eligible first-time buyers in qualifying professions. Funding opens and closes during the year, so we check availability when you apply.
When do I file for homestead exemption in Hillsborough County? +
File with the Hillsborough County Property Appraiser by March 1 of the year after you close. Your tax bill resets to the new assessed value after a sale, so don't budget on the seller's taxes.

Programs Available in Brandon

Find Your Loan Type

FHA Loans
A low down payment option with flexible credit; minimum scores vary by lender.
Learn more →
Down Payment Assistance
Florida programs, including Hometown Heroes, for eligible first-time buyers.
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Conventional Loans
The standard choice for buyers with solid credit, for homes, condos and second homes.
Learn more →
Part of Hillsborough County · Tampa Bay · Lending across Florida