Yes the beaches in Tampa Bay are warm. They are warm compared to most in the United States because they are part of the Atlantic Ocean and the Gulf Of Mexico. The Gulf Stream runs just a few miles off the Tampa Bay area and replenishes the water constantly.
Just about as cold as the water temperature in Tampa will ever get is 64 degrees. Usually that will be in January but it may also be in the low 70's which is rare for a sea water temperature no matter where you measure in January. In August the average water temperature at a Tampa Bay beach may be 86 degrees. definitely swimming season as the air temperature will be in the 90's in the afternoons.
The water is more suitable than in December or January and the overall weather forecast is typically amazing through March. This temperature cycle repeats itself in the autumn after it begins to cool along the coast. Any location in Central Florida in the summer is hot, any location in the winter is better than up north and still good enough to swim compared to swimming in New York. Don't worry about the water temperature today, there is plenty more to do here. Come and visit Tampa Florida or the beaches in Tampa Bay.
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