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Tampa has been one of the fastest-growing metros in the U.S. for nearly a decade. Population inflows from the Northeast and Midwest, a booming downtown, and major employer expansions in finance, tech, and healthcare have driven consistent year-over-year transaction growth.
The Tampa market is wide: waterfront luxury on the bayshore, downtown high-rises, urban-redevelopment Seminole Heights, family-friendly New Tampa and Westchase, and the redevelopment surge in Ybor City. Agents who know multiple submarkets tend to outperform single-neighborhood specialists.
Tampa's price points make splits genuinely expensive. Hillsborough's single-family median runs $426,000 (STAR/Stellar MLS, early 2026) — about $12,800 gross on a 3% side. A 20–30% split surrenders $2,600–$3,800 of that on every closing; Gromadzki's flat $499 doesn't scale with the price, whether it's a Seminole Heights bungalow or a Bayshore-corridor listing.
Tampa's real estate market spans distinct neighborhoods, each with its own buyer profile and price tier. Our agents work all of them.
Waterfront luxury and historic estates — premium pricing, low inventory turnover.
Walkable historic district near downtown — high price-per-square-foot.
Business-corridor adjacent — strong rental and primary-buyer mix.
Family-oriented master-planned communities with strong schools.
Bungalows, breweries, and urban-redevelopment momentum.
Urban condo and loft market with growing professional demand.
Growth-market specialists, relocation agents, urban-condo and master-planned-community agents, and bayshore luxury listing agents.
Tampa's combination of rising prices and rising volume means commission dollars scale up quickly. The math favors flat-fee structures more every year as median prices climb.
Sources: STAR / Stellar MLS via Smith & Associates (Feb 2026); Redfin metro data (Jan–Jun 2026); buyer mix per Covenant Realty market guide (2026).
Tampa in mid-2026 is buyer-leaning but far from distressed. Metro supply sits around 4.5 months with homes taking a median ~47 days to sell (Redfin, Jan–Jun 2026) — notably faster than Florida's statewide ~70 days. Sale prices are flat to down low single digits from the 2024 peak: the city-level median clusters between roughly $380K and $443K depending on tracker, Hillsborough County's median is $399,900 (STAR/Stellar MLS data, July 2026), and Zillow's metro value index reads -5.3% year over year while closed-sale medians hold roughly flat.
Under the surface the market has split by product type. Single-family inland homes are near balanced — 3.6 months of Hillsborough supply and a $426,000 median, up 1.4% YoY (STAR/Stellar MLS, Feb 2026). Only 9.3% of listings sell above ask, 6% get delisted without selling, and Redfin's buyer-seller index shows sellers outnumbering active buyers by ~70%. Well-priced, move-in-ready, low-insurance-burden homes still transact quickly; everything else negotiates.
Tampa Bay is ground zero for Florida's condo transition. On January 1, 2026 the grace period ended on milestone structural inspections and fully funded reserves — boards can no longer waive reserve funding — and some area buildings are running $60,000–$80,000 special assessments per unit (local market reporting, 2026). Hillsborough's condo/townhome median sits near $280,000, flat, with the segment firmly buyer-favoring. Agents who can read a structural integrity reserve study and a board budget are closing condo deals their competitors walk away from.
Insurance is the other variable every Tampa transaction runs through. Hurricanes Helene and Milton (2024) put 7+ feet of surge and ~16 inches of rain through the region, and flood-zone carrying costs still shape pricing — Tampa homeowners average ~$2,400/yr with regional ranges to $5,100, plus $1,200–$3,000+ for flood coverage (insurance-market guides, 2026). The good news: 2025–26 brought the first meaningful Florida rate cuts in years and a condo-insurance market described as its strongest in 15 years. Agents who can walk a buyer through elevation certificates and quote timing are winning flood-zone listings at real discounts.
Demand is structurally fed from three directions. Out-of-state relocation accounts for roughly 35–40% of purchases, heavily Northeast and Midwest (Covenant Realty market guide, 2026). Investors run ~20–25% of transactions, mostly buy-and-hold, and about a third of Tampa Bay deals close in cash — rising to ~43% in the luxury tier. And MacDill AFB keeps a steady VA-loan pipeline flowing: ~70% of personnel live off-base, concentrated in South Tampa and Port Tampa City minutes from the gate (median value ~$411K), with military renters feeding investor demand on the other side of the same market.
Submarket fluency is the differentiator: South Tampa/Hyde Park runs $600K to $2M+ along Bayshore and the school-district draw; Seminole Heights serves the $350K–$650K bungalow-and-renovation crowd; Westchase (~$525–550K) and Carrollwood ($350K–$600K) anchor the family-suburb lanes; and the Water Street/Channelside district keeps delivering new-build condo product downtown (~$511K typical value).
Tampa agents join Suncoast Tampa Association of REALTORS® (STAR) and list through Stellar MLS — the same MLS that covers Orlando and most of Central and Southwest Florida, so one membership spans Tampa Bay and the I-4 corridor. (The Pinellas side of the bay is served by the Suncoast Tampa Association of REALTORS®, also on Stellar.)
The math at Tampa prices: 10 sides a year at Hillsborough's $426K single-family median grosses about $128,000 at 3% per side. A 20% split brokerage takes $25,600; a 30% split takes $38,300. Gromadzki takes $4,990 — flat — leaving $20,000–$33,000 more with the agent in a market where longer days-on-market mean every closing already costs more time and marketing than it used to.
"South Tampa bayshore listings carry $25K+ commissions. Every one of those at 80/20 cost me $5K to my brokerage. The first deal at Gromadzki paid for the next nine."
One simple structure, statewide. $499 per closed deal, $0 monthly, $0 annual — and you keep 100% of your commission on every Tampa transaction.
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