Downtown · Cotee River · Gulf Harbors

New Port Richey
Mortgages

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New Port Richey is a Gulf coast city in west Pasco County, with a revived downtown on the Pithlachascotee ("Cotee") River and some of Tampa Bay's more affordable housing. Nearby Trinity adds newer master-planned homes inland. Hurricane Helene's 2024 surge flooded many coastal neighborhoods here, so flood risk is part of every waterfront purchase.

Serving: Downtown New Port Richey · Gulf Harbors · Jasmine Estates · Holiday · Port Richey · Trinity

New Port Richey 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
Pasco 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 New Port Richey alone. Loan limits: HUD and FHFA.

Prices here run below the metro median, which makes FHA, conventional and down payment assistance a natural fit. Trinity's newer homes run higher.

What buyers in New Port Richey should know

Where buyers look

Homestead and property taxes

File for the homestead exemption with the Pasco 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.

Pasco County limits & costsTampa Bay regionClosing cost calculator

Nearby: Wesley Chapel

Common Questions

New Port Richey Mortgage FAQ

What is the conforming loan limit in New Port Richey / Pasco County for 2026? +
The 2026 conforming loan limit for Pasco County is $832,750 for a single-family home. Loans above this threshold require a jumbo mortgage.
Can I buy a flood-damaged home in New Port Richey? +
Sometimes. A home that needs major repairs may not qualify for a standard mortgage until it's fixed. A renovation loan or cash purchase may be the path. We can help you sort out the options before you commit.
What is the FHA loan limit in Pasco County? +
The 2026 FHA limit for a one-unit home in Pasco County is $541,287, well above most New Port Richey prices.
When do I file for homestead exemption in Pasco County? +
File with the Pasco 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 New Port Richey

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.
Learn more →
DSCR Loans
Qualify an investment property on its rent instead of your personal income.
Learn more →
Part of Pasco County · Tampa Bay · Lending across Florida