In Elfers, a typical home is worth $202,300 and typical rent is $1,437 a month. Compared with all of Pasco County, the typical home value is 33% lower, typical household income is 20% lower, and the share of households that own their home is 11 points lower.
Elfers 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
What this place has that others do not, from public data, most unusual first.
1
The typical home in Elfers is worth $202,300,33% less than in Pasco County as a whole ($300,900).
2
Nearby, in New Port Richey East, the typical rent is $1,156: 20% less than in Elfers ($1,437).
3
Nearby, in Holiday, the typical home value is $170,100: 16% less than in Elfers ($202,300).
4
The typical household income in Elfers is $56,054,20% less than in Pasco County as a whole ($70,492).
5
65% of households in Elfers own their home, against 76% in Pasco County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Elfers
What homes there are in Elfers, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Elfers
Pasco County
Florida
United States
Kind of home: Elfers and its comparisons
Measure
Elfers
Pasco County
Florida
United States
Detached house
82%
64%
55%
61%
Attached house
Unreliable estimate
6%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
25%
19%
Mobile home
10%
17%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Elfers, 8 in 10 homes are single-family detached houses; in Pasco County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Elfers
Pasco County
Florida
United States
Year built: Elfers and its comparisons
Measure
Elfers
Pasco County
Florida
United States
Before 1960
3%
3%
10%
26%
1960–1979
73%
25%
24%
24%
1980–1999
18%
33%
34%
25%
2000–2009
Unreliable estimate
21%
18%
14%
2010 or later
4%
18%
14%
11%
Homes in Elfers are older: the typical year built is 1975; in Pasco County, 1992.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K14%
$100K–$200K35%
$200K–$300K37%
$300K–$500K13%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Elfers and its comparisons
Measure
Elfers
Under $100K
14%
$100K–$200K
35%
$200K–$300K
37%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 99% of owner-occupied homes in Elfers are worth less than $500,000, below the FHA loan limit for Pasco County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99916%
$1,000–$1,49938%
$1,500–$1,99931%
$2,000–$2,49912%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Elfers and its comparisons
Measure
Elfers
Under $500
Unreliable estimate
$500–$999
16%
$1,000–$1,499
38%
$1,500–$1,999
31%
$2,000–$2,499
12%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,248 a month
Pasco County: $1,817 a month
Without a mortgage
$363 a month
Pasco County: $536 a month
Owners with a mortgage
59%
Pasco County: 57%
In Elfers, 59% of owners have a mortgage, and their typical cost is $1,248 a month, against $1,817 in Pasco County. Without one it drops to $363.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Elfers+149%
Pasco County+86%
Florida+67%
United States+53%
Typical rent
Elfers+34%
Pasco County+42%
Florida+42%
United States+33%
Typical household income
Elfers+36%
Pasco County+33%
Florida+34%
United States+29%
Change since 2015–2019: Elfers and its comparisons
Measure
Elfers
Pasco County
Florida
United States
Typical home value
+149%
+86%
+67%
+53%
Typical rent
+34%
+42%
+42%
+33%
Typical household income
+36%
+33%
+34%
+29%
The typical home value in Elfers rose 149% since 2015–2019, more than in Pasco County (86%).
Rents in Elfers rose more slowly than in Pasco County: 34% since 2015–2019, against 42%.
To compare: typical income in Elfers rose 36%; the home, +149%; the rent, +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Elfers and its comparisons
Measure
Elfers
Pasco County
Florida
United States
Rental vacancy
Unreliable estimate
5.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.0%
3.3%
3.4%
People per household
2.64
2.56
2.51
2.53
Drive alone
69%
68%
70%
69%
Carpool
12%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
15%
20%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Elfers has 2.64 people on average, about the same as in Pasco County (2.56).
More people carpool to work in Elfers than in Pasco County: 12% against 9%.
Do the math
What would you pay each month for a home in Elfers?
A typical home is tight for the typical income
We start with a typical home in Elfers, worth $202,300, 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 Elfers, which is $56,054 a year. For that payment to be 28% of income, a household would need to earn about $68,440 a year.
The calculator's FHA and conventional loan limits are those of all of Pasco County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Elfers. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,081 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,597
at 7.18% · 30 years
Loan amount
$198,635
Total interest
$285,790
Paid off in
November 2056
Includes $3,416 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,308 a month
Tight
$1,308 to $1,682 a month
Your payment · 34%
Hard
more than $1,682 a month
Compared with the typical household income in Elfers ($56,054 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,346
Property tax
$78
Home insurance
$84
FHA mortgage insurance (MIP)
$89
You need at least $7,081 for the down payment, plus closing costs.
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.
Total monthly payment $1,597; principal and interest $1,346.
The city and its county
Elfers and Pasco County
Elfers 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).
Elfers
Map of Pasco County, Florida, with Elfers marked. Around it, the neighboring counties.
Elfers
Pasco County
Other cities with a page
Elfers's own numbers
Typical home value
$202,300
Typical monthly rent
$1,437
Typical yearly household income
$56,054
Households that own their home
65%
Effective property tax rate
0.46%
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.
A typical home in Elfers is worth $202,300: 33% below the county and 44% below Florida. With the typical household income in Elfers ($56,054 a year), a typical home costs 3.6 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.
Elfers3.6 years
Pasco4.3 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Pasco County, 2016 to 2025
2016: +11.0% +11.0% 2016
2017: +11.2% +11.2% 2017
2018: +11.7% +11.7% 2018
2019: +8.2% +8.2% 2019
2020: +5.9% +5.9% 2020
2021: +21.6% +21.6% 2021
2022: +28.8% +28.8% 2022
2023: +9.5% +9.5% 2023
2024: +1.2% +1.2% 2024
2025: −2.6% −2.6% 2025
Change in FHFA’s price index in Pasco County, Florida and the United States
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
Elfers 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
Elfers$202,300
Pasco$300,900
Florida$359,000
United States$332,700
Typical monthly rent
Elfers$1,437
Pasco$1,505
Florida$1,669
United States$1,413
Typical yearly household income
Elfers$56,054
Pasco$70,492
Florida$74,568
United States$80,734
See the full table
Elfers next to Pasco County and Florida
Measure
Elfers
Pasco County
Florida
U.S.
Typical home value
$202,300 ▼33% below the county
$300,900
$359,000
$332,700
Typical monthly rent
$1,437 ▼5% below the county
$1,505
$1,669
$1,413
Typical yearly household income
$56,054 ▼20% below the county
$70,492
$74,568
$80,734
Households that own their home
65% ▼11 points below the county
76%
68%
65%
Typical yearly property tax
$923 ▼58% below the county
$2,206
$2,730
$3,119
Effective property tax rate
0.46% ▼0.27 points below the county
0.73%
0.76%
0.94%
Renters with high rent for their income
49% ▼6 points below the county
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 Elfers
For a typical $202,300 home in Elfers, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Elfers's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,597a month
Least cash to close
Down payment
$7,081
Cash to close
$13,150
Rate
7.18%
Mortgage insurance
FHA MIP · $89
Conventional, 5% down$1,560a month
Down payment
$10,115
Cash to close
$16,184
Rate
7.18%
Mortgage insurance
PMI · $96
Conventional, 20% down, no PMI$1,258a month
Down payment
$40,460
Cash to close
$46,529
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,445a month
Down payment
$30,345
Cash to close
$36,414
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Elfers
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,597
$7,081
$198,636
7.18%
FHA MIP · $89
$13,150
580
Conventional, 5% down
$1,560
$10,115
$192,185
7.18%
PMI · $96
$16,184
620*
Conventional, 20% down, no PMI
$1,258
$40,460
$161,840
7.18%
None
$46,529
620*
ITIN, 15% down (example)
$1,445
$30,345
$171,955
8.18%
None
$36,414
Set by the lender
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.
Typical rent in Elfers is $1,437 a month: 5% below the county. In Elfers, 49% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pasco County (Fiscal year 2027)
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 Elfers
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Elfers has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,530 in 34652 to $1,560 in 34690.
None is above the fair market rent for Pasco County ($1,917).
2-bedroom fair market rent in each of the 3 ZIP codes of Elfers, beside the one for Pasco County. For 2 bedrooms it runs from $1,530 in 34652 to $1,560 in 34690. None is above the fair market rent for Pasco County ($1,917).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,917
Lowest: $1,530 (34652)Highest: $1,560 (34690)
Fair market rent by ZIP code and size in Elfers, fiscal year 2027.
34652
$1,270
$1,320
$1,530
$1,950
$2,380
34653
$1,280
$1,320
$1,540
$1,970
$2,390
34690
$1,300
$1,340
$1,560
$1,990
$2,420
ZIP code2 bd3 bd
34652 $1,530$1,950
34653 $1,540$1,970
34690 $1,560$1,990
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Elfers 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Elfers or Pasco County. The ones below are statewide in Florida: they work in Elfers the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Elfers or Pasco County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Elfers 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 Elfers?
The typical home value in Elfers is $202,300, 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 Elfers?
Typical rent in Elfers is $1,437 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 Elfers?
Elfers 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 Elfers?
The typical homeowner in Elfers pays $923 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Pasco County, the rate is 0.73%.
Where can I find free help to buy or rent in Elfers?
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.
