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Back in 2014, spending $500,000 on a house was generally reserved for high earners. The typical U.S. home sold for $159,000, while starter homes averaged just $101,000. Fast-forward to today, and prices have more than doubled: A home now sells for $440,000, with starter homes approaching $300,000. 

These current prices have put homeownership out of reach for many – and things don't look to be improving. Prices are still , affordability keeps dropping, and are becoming harder to find as home values . This has created a very sluggish and difficult housing market. In fact, even the usual busy spring and summer buying seasons were this year.

While $500,000 once stretched much further, in many cities today, it's not nearly enough. But what about Tampa?

To find out, found listings near the $500,000 mark to see what types of homes you can actually afford in Tampa right now. Listings below $500,000 were included if necessary.

901 8Th St Sw, Ruskin, FL 33570
- Price: $500,000
- 5 bedrooms, 4 bathrooms
- Square feet: 2,516
- See 901 8Th St Sw, Ruskin, FL 33570 on

1739 16Th Ave S, St Petersburg, FL 33712
- Price: $500,000
- 5 bedrooms, 3 bathrooms
- Square feet: 2,139
- See 1739 16Th Ave S, St Petersburg, FL 33712 on

27209 Firebush Dr, Wesley Chapel, FL 33544
- Price: $500,000
- 4 bedrooms, 3 bathrooms
- Square feet: 2,622
- See 27209 Firebush Dr, Wesley Chapel, FL 33544 on

921 Lynnlea Ln, Tarpon Springs, FL 34689
- Price: $500,000
- 4 bedrooms, 3 bathrooms
- Square feet: 1,981
- See 921 Lynnlea Ln, Tarpon Springs, FL 34689 on

7517 Notched Pine Bnd, Wesley Chapel, FL 33545
- Price: $500,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,606
- See 7517 Notched Pine Bnd, Wesley Chapel, FL 33545 on

6019 Cape Loop, Land O Lakes, FL 34639
- Price: $500,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,482
- See 6019 Cape Loop, Land O Lakes, FL 34639 on

10406 Crestfield Dr, Riverview, FL 33569
- Price: $500,000
- 4 bedrooms, 2 bathrooms
- Square feet: 2,163
- See 10406 Crestfield Dr, Riverview, FL 33569 on

7699 92Nd St, Seminole, FL 33777
- Price: $500,000
- 4 bedrooms, 2 bathrooms
- Square feet: 2,047
- See 7699 92Nd St, Seminole, FL 33777 on

11350 116Th Ave, Largo, FL 33778
- Price: $500,000
- 4 bedrooms, 2 bathrooms
- Square feet: 1,595
- See 11350 116Th Ave, Largo, FL 33778 on

4907 Country Aire Ln, Tampa, FL 33624
- Price: $500,000
- 4 bedrooms, 2 bathrooms
- Square feet: 1,496
- See 4907 Country Aire Ln, Tampa, FL 33624 on

2918 19Th Pl Sw, Largo, FL 33774
- Price: $500,000
- 4 bedrooms, 2 bathrooms
- Square feet: 1,410
- See 2918 19Th Pl Sw, Largo, FL 33774 on

2001 N 25Th St, Tampa, FL 33605
- Price: $500,000
- 4 bedrooms, 2 bathrooms
- Square feet: 1,404
- See 2001 N 25Th St, Tampa, FL 33605 on

29903 Baywood Ln, Wesley Chapel, FL 33543
- Price: $500,000
- 3 bedrooms, 3 bathrooms
- Square feet: 2,356
- See 29903 Baywood Ln, Wesley Chapel, FL 33543 on

12333 Woodlands Cir, Dade City, FL 33525
- Price: $500,000
- 3 bedrooms, 3 bathrooms
- Square feet: 2,292
- See 12333 Woodlands Cir, Dade City, FL 33525 on

12317 Lacey Dr, New Port Richey, FL 34654
- Price: $500,000
- 3 bedrooms, 3 bathrooms
- Square feet: 1,930
- See 12317 Lacey Dr, New Port Richey, FL 34654 on

27353 Edenfield Dr, Wesley Chapel, FL 33544
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 2,591
- See 27353 Edenfield Dr, Wesley Chapel, FL 33544 on

4641 Rolling Green Dr, Wesley Chapel, FL 33543
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,993
- See 4641 Rolling Green Dr, Wesley Chapel, FL 33543 on

6110 Downing St, Dover, FL 33527
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,970
- See 6110 Downing St, Dover, FL 33527 on

4831 Pebble Brook Dr, Oldsmar, FL 34677
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,922
- See 4831 Pebble Brook Dr, Oldsmar, FL 34677 on

13208 88Th Ave, Seminole, FL 33776
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,845
- See 13208 88Th Ave, Seminole, FL 33776 on

1001 Spoontail Ct, Tarpon Springs, FL 34689
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,839
- See 1001 Spoontail Ct, Tarpon Springs, FL 34689 on

1072 S Pointe Alexis Dr, Tarpon Springs, FL 34689
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,758
- See 1072 S Pointe Alexis Dr, Tarpon Springs, FL 34689 on

112 W Chelsea St, Tampa, FL 33603
- Price: $500,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,464
- See 112 W Chelsea St, Tampa, FL 33603 on

1111 N Bayshore Blvd, Clearwater, FL 33759
- Price: $500,000
- 2 bedrooms, 2.5 bathrooms
- Square feet: 1,722
- See 1111 N Bayshore Blvd, Clearwater, FL 33759 on

402 Orchid Ln, Palm Harbor, FL 34683
- Price: $500,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,662
- See 402 Orchid Ln, Palm Harbor, FL 34683 on

111 N 12Th St, Tampa, FL 33602
- Price: $500,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,237
- See 111 N 12Th St, Tampa, FL 33602 on

700 S Harbour Island Blvd, Tampa, FL 33602
- Price: $500,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,184
- See 700 S Harbour Island Blvd, Tampa, FL 33602 on

6372 Palma Del Mar Blvd S, Saint Petersburg, FL 33715
- Price: $500,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,150
- See 6372 Palma Del Mar Blvd S, Saint Petersburg, FL 33715 on

100 4Th Ave S, Saint Petersburg, FL 33701
- Price: $500,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,128
- See 100 4Th Ave S, Saint Petersburg, FL 33701 on

6673 146Th Ave N, Clearwater, FL 33764
- Price: $500,000
- 1 bedroom, 1 bathroom
- Square feet: 480
- See 6673 146Th Ave N, Clearwater, FL 33764 on