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City · 33,355 residents · Hillsborough County, Florida

Apollo Beach , Florida

In Apollo Beach, a typical home is worth $472,700 and typical rent is $2,293 a month. Compared with all of Hillsborough County, typical household income is 60% higher, typical rent is 38% higher, and the share of households that own their home is 24 points higher.

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  • Typical home value

    $472,700

    27% above the county

    32% above Florida

    • Apollo Beach
    • Hillsborough
    • Florida

  • Typical rent

    $2,293a month

    38% above the county

    37% above Florida

    • Apollo Beach
    • Hillsborough
    • Florida

  • Typical household income

    $127,617a year

    60% above the county

    71% above Florida

    • Apollo Beach
    • Hillsborough
    • Florida

  • Households that own their home

    86%

    24 points above the county

    18 points above Florida

    • Apollo Beach
    • Hillsborough
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$440,381
2.2% less than 12 months ago
Typical rent
$2,222 a month
6.1% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Apollo Beach is in Hillsborough County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Hillsborough County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Apollo Beach apart

What this place has that others do not, from public data, most unusual first.

  1. 86% of households in Apollo Beach own their home, against 61% in Hillsborough County.

  2. The typical household income in Apollo Beach is $127,617, 60% more than in Hillsborough County as a whole ($79,540).

  3. Nearby, in Gibsonton, the typical rent is $1,386: 40% less than in Apollo Beach ($2,293).

  4. Nearby, in Gibsonton, the typical home value is $304,500: 36% less than in Apollo Beach ($472,700).

  5. The typical rent in Apollo Beach is $2,293 a month, 38% more than in Hillsborough County as a whole ($1,667).

  6. The typical home in Apollo Beach is worth $472,700, 27% more than in Hillsborough County as a whole ($371,500).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Apollo Beach

What homes there are in Apollo Beach, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Apollo Beach: 83% of homes, more than in Hillsborough County (57%).

Year built

Homes in Apollo Beach are newer: the typical year built is 2010; in Hillsborough County, 1991.

Homes in Apollo Beach are bigger: 85% have 3 bedrooms or more; in Hillsborough County, 60%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,599 a month

Hillsborough County: $2,003 a month

Without a mortgage

$866 a month

Hillsborough County: $657 a month

Owners with a mortgage

73%

Hillsborough County: 64%

Owning costs more in Apollo Beach: with a mortgage, the typical cost is $2,599 a month; in Hillsborough County, $2,003. Without one, $866.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Apollo Beach rose 71% since 2015–2019, about the same as in Hillsborough County (72%).

Since 2015–2019, the typical rent in Apollo Beach rose 50%, more than in Hillsborough County (46%).

The typical household income in Apollo Beach rose 44%: less than home values (+71%) and rent (+50%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureApollo BeachHillsborough CountyFloridaUnited States
Rental vacancy Unreliable estimate6.4%7.6%5.5%
Homeowner vacancy Unreliable estimate1.1%1.4%0.9%
More than one person per room Unreliable estimate3.1%3.3%3.4%
People per household 2.792.562.512.53
Drive alone 61%67%70%69%
Carpool 8%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 2%2%2%3%
Work from home 27%21%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Apollo Beach has 2.79 people, more than in Hillsborough County (2.56).

Working from home is more common in Apollo Beach: 27%, against 21% in Hillsborough County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Apollo Beach?

A typical home costs more than the typical income allows

We start with a typical home in Apollo Beach, worth $472,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Apollo Beach, which is $127,617 a year. For that payment to be 28% of income, a household would need to earn about $172,750 a year.

The calculator's FHA and conventional loan limits are those of all of Hillsborough County.

Your numbers

Local data
$

Starts at the typical home value in Apollo Beach. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,545 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,031

at 7.18% · 30 years

Loan amount
$464,138
Total interest
$667,785
Paid off in
November 2056

Includes $7,983 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,978 a month

  • Tight

    $2,978 to $3,829 a month

  • Hard

    more than $3,829 a month

    Your payment · 38%

Compared with the typical household income in Apollo Beach ($127,617 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,031
Principal & interest$3,144
Property tax$481
Home insurance$197
FHA mortgage insurance (MIP)$209

You need at least $16,545 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Apollo Beach and Hillsborough County

Apollo Beach is in Hillsborough County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Apollo Beach's own numbers

Typical home value
$472,700
Typical monthly rent
$2,293
Typical yearly household income
$127,617
Households that own their home
86%
Effective property tax rate
1.22%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hillsborough County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
13%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Hillsborough County.

Everything about Hillsborough County

Buying

Buying a home in Apollo Beach

A typical home in Apollo Beach is worth $472,700: 27% above the county and 32% above Florida. With the typical household income in Apollo Beach ($127,617 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Apollo Beach 3.7 years
  • Hillsborough 4.7 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hillsborough County

According to FHFA’s house price index, home prices in Hillsborough County rose 140% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hillsborough County.

Period County Florida U.S.
Last year (2025) +1.7% −0.5% +2.9%
5 years (2020–2025) +63% +60% +47%
10 years (2015–2025) +140% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Apollo Beach next to Hillsborough County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Apollo Beach $472,700
  • Hillsborough $371,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Apollo Beach $2,293
  • Hillsborough $1,667
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Apollo Beach $127,617
  • Hillsborough $79,540
  • Florida $74,568
  • United States $80,734
See the full table
Apollo Beach next to Hillsborough County and Florida
Measure Apollo Beach Hillsborough County Florida U.S.
Typical home value $472,700 $371,500 $359,000 $332,700
Typical monthly rent $2,293 $1,667 $1,669 $1,413
Typical yearly household income $127,617 $79,540 $74,568 $80,734
Households that own their home 86% 61% 68% 65%
Typical yearly property tax $5,781 $3,010 $2,730 $3,119
Effective property tax rate 1.22% 0.81% 0.76% 0.94%
Renters with high rent for their income 57% 58% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hillsborough County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Apollo Beach

For a typical $472,700 home in Apollo Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Apollo Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,031a month

    Least cash to close
    Down payment
    $16,545
    Cash to close
    $30,726
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $209

  • Conventional, 5% down $3,944a month

    Down payment
    $23,635
    Cash to close
    $37,816
    Rate
    7.18%
    Mortgage insurance
    PMI · $225

  • Conventional, 20% down, no PMI $3,239a month

    Down payment
    $94,540
    Cash to close
    $108,721
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,676a month

    Down payment
    $70,905
    Cash to close
    $85,086
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Apollo Beach and for Hillsborough County.

Property tax

Effective rate in Apollo Beach

1.22%of the home’s value each year

$5,781 a year for the typical owner in Apollo Beach.

  • Apollo Beach 1.22%
  • Hillsborough 0.81%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Hillsborough County

FEMA does not publish these numbers by city: they are for all of Hillsborough County.

Homes in the high-risk zone
13%
56,828
Of those, with NFIP insurance
61%
County Florida U.S.
Homes in the high-risk zone 13% 13% 3.5%
Of those, with NFIP insurance 61% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Apollo Beach

Typical rent in Apollo Beach is $2,293 a month: 38% above the county. In Apollo Beach, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hillsborough County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.

HUD fair market rent for all of Hillsborough County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,597 $30.71 $63,880
1 bedroom $1,648 $31.69 $65,920
2 bedrooms $1,917 $36.87 $76,680
3 bedrooms $2,448 $47.08 $97,920
4 bedrooms $2,977 $57.25 $119,080

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Apollo Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Apollo Beach has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,280 in 33573 to $2,640 in 33572.

2 of the 2 are above the fair market rent for Hillsborough County ($1,917).

  • 33572 $2,640$3,370
  • 33573 $2,280$2,910

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Apollo Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Apollo Beach

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 8 HUD-approved agencies with an office in Hillsborough County; 7 say they serve in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Apollo Beach

1 program is for Apollo Beach or Hillsborough County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Florida: they work in Apollo Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Apollo Beach

The HUD-approved agencies closest to the center of Apollo Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Florida Home Partnership Inc

    201 14th Ave SE, Ruskin · 4 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (813) 672-7860

  • Florida Home Partnership Inc

    201 14th Ave SE, Ruskin · 4 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (813) 672-7860

  • Real Estate Education and Community Housing, Inc.

    4006 S. MacDill Avenue, Tampa · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (561) 491-1670

Every agency in Hillsborough County All counseling agencies in Florida

Help in Spanish near Apollo Beach

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Apollo Beach

In HUD’s record, no housing authority with an office in Hillsborough County is named for Apollo Beach or Hillsborough County.

2 other authorities have an office in Hillsborough County: see the list Source: HUD

Cities

Other cities in Hillsborough County

These cities are also in Hillsborough County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hillsborough County Housing in Florida
See 19 more cities in Hillsborough County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Apollo Beach, with the typical home value.

Neighboring counties

If Hillsborough County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Apollo Beach.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Apollo Beach

Short answers with the numbers for Apollo Beach and all of Hillsborough County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Apollo Beach?

The typical home value in Apollo Beach is $472,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hillsborough County it is $371,500.

How much does it cost to rent in Apollo Beach?

Typical rent in Apollo Beach is $2,293 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hillsborough County is $1,917.

What is the FHA loan limit in Apollo Beach?

Apollo Beach uses the FHA limit for all of Hillsborough County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Apollo Beach?

The typical homeowner in Apollo Beach pays $5,781 a year, according to the U.S. Census Bureau. That is 1.22% of the home’s value; in Hillsborough County, the rate is 0.81%.

Where can I find free help to buy or rent in Apollo Beach?

There are 8 HUD-approved counseling agencies with an office in Hillsborough County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).