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City · 8,152 residents · Pasco County, Florida

Dade City , Florida

In Dade City, a typical home is worth $240,800 and typical rent is $1,061 a month. Compared with all of Pasco County, typical rent is 30% lower, the typical home value is 20% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $240,800

    20% below the county

    33% below Florida

    • Dade City
    • Pasco
    • Florida

  • Typical rent

    $1,061a month

    30% below the county

    36% below Florida

    • Dade City
    • Pasco
    • Florida

  • Typical household income

    $70,107a year

    About the same as the county

    6% below Florida

    • Dade City
    • Pasco
    • Florida

  • Households that own their home

    64%

    12 points below the county

    4 points below Florida

    • Dade City
    • Pasco
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$333,881
1.6% less than 12 months ago
Typical rent
$1,676 a month
1.5% more than 12 months ago

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

Dade City is in Pasco 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 Pasco County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dade City apart

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

  1. Nearby, in Zephyrhills South, the typical home value is $49,800: 79% less than in Dade City ($240,800).

  2. The typical rent in Dade City is $1,061 a month, 30% less than in Pasco County as a whole ($1,505).

  3. 64% of households in Dade City own their home, against 76% in Pasco County.

  4. The typical home in Dade City is worth $240,800, 20% less than in Pasco County as a whole ($300,900).

  5. 14% of households in Dade City have no internet at home (6% in Pasco County).

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

The homes here

Housing in Dade City

What homes there are in Dade City, 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 is the most common home in Dade City: 64% of homes, near the figure in Pasco County (64%).

Year built

The typical home in Dade City was built in 1980, 12 years before the typical one in Pasco County.

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

The FHA limit for Pasco County is high ($541,287): at least 93% of owner-occupied homes in Dade City are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,607 a month

Pasco County: $1,817 a month

Without a mortgage

$443 a month

Pasco County: $536 a month

Owners with a mortgage

58%

Pasco County: 57%

Owning costs less in Dade City: with a mortgage, the typical cost is $1,607 a month; in Pasco County, $1,817. Without one, $443.

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

From 2015–2019 to 2020–2024, the typical home value in Dade City rose 127%; in Pasco County, it rose 86%.

The typical rent in Dade City stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureDade CityPasco CountyFloridaUnited States
Rental vacancy Unreliable estimate5.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.3%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.722.562.512.53
Drive alone 79%68%70%69%
Carpool 12%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 8%20%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Dade City has 2.72 people, more than in Pasco County (2.56).

In Dade City, 12% of workers share a car to get to work; in Pasco County, 9%.

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 Dade City?

A typical home is tight for the typical income

We start with a typical home in Dade City, worth $240,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Dade City, which is $70,107 a year. For that payment to be 28% of income, a household would need to earn about $84,733 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dade City. 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 $8,428 (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

$1,977

at 7.18% · 30 years

Loan amount
$236,439
Total interest
$340,180
Paid off in
November 2056

Includes $4,067 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,636 a month

  • Tight

    $1,636 to $2,103 a month

    Your payment · 34%

  • Hard

    more than $2,103 a month

Compared with the typical household income in Dade City ($70,107 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,977
Principal & interest$1,602
Property tax$169
Home insurance$100
FHA mortgage insurance (MIP)$107

You need at least $8,428 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

Dade City and Pasco County

Dade City is in Pasco 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).

Dade City's own numbers

Typical home value
$240,800
Typical monthly rent
$1,061
Typical yearly household income
$70,107
Households that own their home
64%
Effective property tax rate
0.84%

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

Numbers for all of Pasco 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)
+69%
Homes in a high flood-risk zone
16%

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 Pasco County.

Everything about Pasco County

Buying

Buying a home in Dade City

A typical home in Dade City is worth $240,800: 20% below the county and 33% below Florida. With the typical household income in Dade City ($70,107 a year), a typical home costs 3.4 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.

  • Dade City 3.4 years
  • Pasco 4.3 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pasco County

According to FHFA’s house price index, home prices in Pasco County rose 167% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) −2.6% −0.5% +2.9%
5 years (2020–2025) +69% +60% +47%
10 years (2015–2025) +167% +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

Dade City next to Pasco 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
  • Dade City $240,800
  • Pasco $300,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Dade City $1,061
  • Pasco $1,505
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Dade City $70,107
  • Pasco $70,492
  • Florida $74,568
  • United States $80,734
See the full table
Dade City next to Pasco County and Florida
Measure Dade City Pasco County Florida U.S.
Typical home value $240,800 $300,900 $359,000 $332,700
Typical monthly rent $1,061 $1,505 $1,669 $1,413
Typical yearly household income $70,107 $70,492 $74,568 $80,734
Households that own their home 64% 76% 68% 65%
Typical yearly property tax $2,012 $2,206 $2,730 $3,119
Effective property tax rate 0.84% 0.73% 0.76% 0.94%
Renters with high rent for their income 57% 55% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pasco 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 Dade City

For a typical $240,800 home in Dade City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dade City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,977a month

    Least cash to close
    Down payment
    $8,428
    Cash to close
    $15,652
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $1,933a month

    Down payment
    $12,040
    Cash to close
    $19,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,574a month

    Down payment
    $48,160
    Cash to close
    $55,384
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,797a month

    Down payment
    $36,120
    Cash to close
    $43,344
    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 Dade City and for Pasco County.

Property tax

Effective rate in Dade City

0.84%of the home’s value each year

$2,012 a year for the typical owner in Dade City.

  • Dade City 0.84%
  • Pasco 0.73%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Pasco County

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

Homes in the high-risk zone
16%
35,604
Of those, with NFIP insurance
47%
County Florida U.S.
Homes in the high-risk zone 16% 13% 3.5%
Of those, with NFIP insurance 47% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dade City

Typical rent in Dade City is $1,061 a month: 30% below the county. In Dade City, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pasco 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 Pasco 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 Dade City

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

For 2 bedrooms it is $1,310 in all of them.

None is above the fair market rent for Pasco County ($1,917).

  • 33523 $1,310$1,670
  • 33525 $1,310$1,670

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dade City 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?

Low-income apartments

Low-income apartments in Dade City

HUD lists 7 buildings with rents for lower incomes in Dade City. These are the largest.

  • Osprey Pointe - Pasco 12870 Courtyard Estates Blvd, Dade City 33525 110 low-income homes · 1 bd: 18 · 2 bd: 62 · 3 bd: 30 · In service since 2020 · For families
  • Arbours at Fort King 12838 Stately Oak St, Dade City 33525 94 low-income homes · 1 bd: 32 · 2 bd: 30 · 3 bd: 32 · In service since 2011 · For families
  • Hilltop Landings 37611 Colina Dr, Dade City 33523 69 low-income homes · 1 bd: 14 · 2 bd: 23 · 3 bd: 17 · 4 bd: 15 · In service since 2016 · For families (844) 376-2138
  • Citrus Villas/Cypress Villas I & II 20543 Blanchette Ct, Dade City 33523 59 homes, 58 low-income · Run by Pasco County Housing Authority · Average payment: $332 a month · Average wait: 33 months · Homes at several sites (352) 567-0848
  • Oakcrest II 14940 Willowbrook Dr, Dade City 33523 20 low-income homes · 1 bd: 14 · 2 bd: 6 · In service since 2004 · For families

See all 42 buildings in Pasco County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dade City

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.

We found no HUD-approved agencies with an office in Pasco County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Dade City

No down payment, repair or rent-help program on our list is for Dade City or Pasco County. The ones below are statewide in Florida: they work in Dade City the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Dade City

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

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (813) 867-9658

  • Housing and Neighborhood Development Services of Central Florida, Inc.

    825 E Main St, Lakeland · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (863) 682-1025

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 3 more
    (813) 932-4663

All counseling agencies in Florida

Help in Spanish near Dade City

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 Dade City

HUD’s record names them for Dade City or Pasco County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pasco County Housing Authority Public housing and Section 8 vouchers (352) 567-0848

All housing agencies in Florida Source: HUD

Cities

Other cities in Pasco County

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

Everything about Pasco County Housing in Florida
See 7 more cities in Pasco County, with prices and rents

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

Nearby cities

The cities closest to Dade City, with the typical home value.

Neighboring counties

If Pasco 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 Dade City.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Dade City

Short answers with the numbers for Dade City and all of Pasco 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 Dade City?

The typical home value in Dade City is $240,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pasco County it is $300,900.

How much does it cost to rent in Dade City?

Typical rent in Dade City is $1,061 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pasco County is $1,917.

What is the FHA loan limit in Dade City?

Dade City uses the FHA limit for all of Pasco 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 Dade City?

The typical homeowner in Dade City pays $2,012 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Pasco County, the rate is 0.73%.

Where can I find free help to buy or rent in Dade City?

We found no HUD-approved counseling agencies with an office in Pasco County; the nearest ones are on this page. 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).