Quick answer
Electrical in Tampa, FL typically costs $1,800 – $4,200 for a standard job done by a licensed pro.
Biggest cost factors: Amperage · Panel brand/condition · Lightning surge protection · Permit + inspection.
Updated June 2026 · Independent estimate, not a quote.
A full panel replacement or 100→200 amp upgrade in Tampa typically costs $1,800–$4,200 including permit and inspection. Simple breaker replacements are far cheaper ($150–$350), while service upgrades that require TECO to change the meter or service drop can push past $5,000.
In the Tampa area this work is often insurance-driven: carriers increasingly refuse to write or renew policies on homes with certain legacy panels (Federal Pacific, Zinsco, some Sylvania models). If that's why you're here, get the insurer's requirement in writing first — it defines exactly what the electrician has to deliver.
What drives the cost in Tampa
Amperage
A like-for-like 150A replacement is cheaper than a 100→200A upgrade, which may need a new service entrance cable and a utility coordination step.
Panel brand/condition
Replacing a recalled-era panel (FPE/Zinsco) is standard work, but corroded service entrances add scope, especially on older or coastal-influenced Tampa homes.
Lightning surge protection
Tampa Bay is the U.S. lightning capital — a whole-home surge protective device at the panel ($150–$400 during the same visit) is strongly worth it here.
Permit + inspection
Hillsborough County requires both; budget $200–$500. Unpermitted panel work is a serious resale and insurance problem.
EV / pool / AC loads
Adding an EV charger or heat pump? Size the upgrade for it now rather than paying for a second upgrade later.
Local notes for Tampa homeowners
- TECO must disconnect and reconnect service for many upgrades — good electricians handle the scheduling, but it can add days to the timeline.
- Florida requires an ER or EC licensed electrical contractor for panel work; verify the license on DBPR before hiring.
- After the upgrade, send the inspection record to your insurer — on older homes it can directly lower premiums.
Frequently asked questions
How do I know if I have a problem panel?
Open the door and read the brand label: Federal Pacific 'Stab-Lok', Zinsco, or Challenger panels are the usual insurance red flags. A clear photo is enough for most electricians to confirm.
How long does the work take?
Most replacements are one day with power off for 4–8 hours. TECO-coordinated service upgrades can stretch across appointments.
Do I really need surge protection in Tampa?
It's hard to justify skipping it here — Tampa Bay leads the country in lightning strikes, and a panel-level surge device is cheap relative to replacing fried appliances and electronics.
Ranges on this page are editorial estimates for typical electrical jobs in the Tampa area and are informational only — not a quote or professional appraisal. Use the estimator for a range tailored to your exact situation.