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Why did first-time homebuyers disappear from the housing market — and what does that mean for Tampa Bay heading into 2026? If it feels like the starter-home market vanished, you’re not imagining it. The largest segment of homebuyers has been pushed to the sidelines, and that shift has quietly changed prices, inventory, leverage, and timing for everyone — whether you’re buying, selling, or planning your next move. In this month’s Tampa Bay housing market update, we break down: Who the missing buyers really are How affordability and payment shock pushed them out Why prices softened without crashing What “shadow demand” means for future buyers And why 2026 may finally bring sidelined buyers back Using local Tampa Bay data — including Pinellas County, Hillsborough County, St. Petersburg, Clearwater, Tampa, and Brandon — we explain what’s happening beneath the headlines and how it affects real people making real decisions. 📊 You’ll also learn: https://thetenpennycollection.com/tam... Why prices can fall without sellers panicking How mortgage rates impact monthly payments more than price Where affordability still exists in Tampa Bay What first-time buyers should focus on right now Whether waiting or buying makes more sense for your situation 👉 Read the full Tampa Bay Market Report here: If you’re trying to decide when to buy or sell — or simply want clarity instead of noise — this video is for you. 👍 If this breakdown helps you understand the market, please like the video 💬 Have questions? Drop them in the comments — we read and respond 🔔 Subscribe for monthly Tampa Bay housing market insights #TampaBayHousingMarket #TampaBayRealEstate #HousingMarketUpdate #FirstTimeHomeBuyers #HomeAffordability #AreHomePricesDropping #HousingMarket2026 #ShadowDemand #PaymentShock #AIInRealEstate #PinellasCountyRealEstate #HillsboroughCountyRealEstate #StPetersburgFLRealEstate #TampaFLRealEstate #BrandonFLHomes