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City · 18,754 residents · Hillsborough County, Florida

Gibsonton , Florida

In Gibsonton, a typical home is worth $304,500 and typical rent is $1,386 a month. Compared with all of Hillsborough County, the typical home value is 18% lower, typical rent is 17% lower, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $304,500

    18% below the county

    15% below Florida

    • Gibsonton
    • Hillsborough
    • Florida

  • Typical rent

    $1,386a month

    17% below the county

    17% below Florida

    • Gibsonton
    • Hillsborough
    • Florida

  • Typical household income

    $83,875a year

    5% above the county

    12% above Florida

    • Gibsonton
    • Hillsborough
    • Florida

  • Households that own their home

    70%

    8 points above the county

    2 points above Florida

    • Gibsonton
    • Hillsborough
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$315,230
2.5% less than 12 months ago
Typical rent
$2,278 a month
4.1% more than 12 months ago

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

Gibsonton 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 Gibsonton apart

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

  1. The typical home in Gibsonton is worth $304,500, 18% less than in Hillsborough County as a whole ($371,500).

  2. The typical rent in Gibsonton is $1,386 a month, 17% less than in Hillsborough County as a whole ($1,667).

  3. 70% of households in Gibsonton own their home, against 61% in Hillsborough County.

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

The homes here

Housing in Gibsonton

What homes there are in Gibsonton, 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 houses, standing on their own, make up 67% of homes here, against 57% in Hillsborough County.

Mobile homes are 27% of homes in Gibsonton, more than in Hillsborough County (7%).

Year built

Here half of the homes date from 2002 or later; in Hillsborough County, from 1991 or later.

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

At least 90% of owner-occupied homes in Gibsonton are worth less than $500,000, below the FHA loan limit for Hillsborough County ($541,287).

Monthly rent with utilities

With a mortgage

$1,988 a month

Hillsborough County: $2,003 a month

Without a mortgage

$456 a month

Hillsborough County: $657 a month

Owners with a mortgage

70%

Hillsborough County: 64%

The typical cost for an owner with a mortgage in Gibsonton is $1,988 a month, near the figure in Hillsborough County ($2,003).

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 Gibsonton rose 62% since 2015–2019, less than in Hillsborough County (72%).

The typical rent in Gibsonton rose 40% over the same time; in Hillsborough County, it rose 46%.

The typical household income in Gibsonton rose 59% over that time; home values changed +62% and rent +40%.

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

MeasureGibsontonHillsborough 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 3.082.562.512.53
Drive alone 72%67%70%69%
Carpool 10%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 14%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 Gibsonton has 3.08 people, more than in Hillsborough County (2.56).

To get to work, 72% of workers in Gibsonton drive alone; in Hillsborough County, 67%.

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 Gibsonton?

A typical home costs more than the typical income allows

We start with a typical home in Gibsonton, worth $304,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Gibsonton, which is $83,875 a year. For that payment to be 28% of income, a household would need to earn about $109,323 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 Gibsonton. 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 $10,658 (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

$2,551

at 7.18% · 30 years

Loan amount
$298,984
Total interest
$430,168
Paid off in
November 2056

Includes $5,142 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,957 a month

  • Tight

    $1,957 to $2,516 a month

  • Hard

    more than $2,516 a month

    Your payment · 36%

Compared with the typical household income in Gibsonton ($83,875 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,551
Principal & interest$2,025
Property tax$264
Home insurance$127
FHA mortgage insurance (MIP)$135

You need at least $10,658 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

Gibsonton and Hillsborough County

Gibsonton 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).

Gibsonton's own numbers

Typical home value
$304,500
Typical monthly rent
$1,386
Typical yearly household income
$83,875
Households that own their home
70%
Effective property tax rate
1.04%

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 Gibsonton

A typical home in Gibsonton is worth $304,500: 18% below the county and 15% below Florida. With the typical household income in Gibsonton ($83,875 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.

  • Gibsonton 3.6 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

Gibsonton 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
  • Gibsonton $304,500
  • Hillsborough $371,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Gibsonton $1,386
  • Hillsborough $1,667
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Gibsonton $83,875
  • Hillsborough $79,540
  • Florida $74,568
  • United States $80,734
See the full table
Gibsonton next to Hillsborough County and Florida
Measure Gibsonton Hillsborough County Florida U.S.
Typical home value $304,500 $371,500 $359,000 $332,700
Typical monthly rent $1,386 $1,667 $1,669 $1,413
Typical yearly household income $83,875 $79,540 $74,568 $80,734
Households that own their home 70% 61% 68% 65%
Typical yearly property tax $3,177 $3,010 $2,730 $3,119
Effective property tax rate 1.04% 0.81% 0.76% 0.94%
Renters with high rent for their income 61% 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 Gibsonton

For a typical $304,500 home in Gibsonton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gibsonton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,551a month

    Least cash to close
    Down payment
    $10,658
    Cash to close
    $19,793
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $135

  • Conventional, 5% down $2,495a month

    Down payment
    $15,225
    Cash to close
    $24,360
    Rate
    7.18%
    Mortgage insurance
    PMI · $145

  • Conventional, 20% down, no PMI $2,041a month

    Down payment
    $60,900
    Cash to close
    $70,035
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,323a month

    Down payment
    $45,675
    Cash to close
    $54,810
    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 Gibsonton and for Hillsborough County.

Property tax

Effective rate in Gibsonton

1.04%of the home’s value each year

$3,177 a year for the typical owner in Gibsonton.

  • Gibsonton 1.04%
  • 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 Gibsonton

Typical rent in Gibsonton is $1,386 a month: 17% below the county. In Gibsonton, 61% 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 Gibsonton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gibsonton is in ZIP code 33534.

For 2 bedrooms it is $1,740: $177 less than the fair market rent for Hillsborough County ($1,917).

  • 33534 $1,740$2,220

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gibsonton 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 Gibsonton

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Gibsonton

1 program is for Gibsonton 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 Gibsonton the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Gibsonton

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

  • Real Estate Education and Community Housing, Inc.

    4006 S. MacDill Avenue, Tampa · 9 miles away · Spanish

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

  • Florida Home Partnership Inc

    201 14th Ave SE, Ruskin · 9 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 · 9 miles away · Spanish

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

Every agency in Hillsborough County All counseling agencies in Florida

Help in Spanish near Gibsonton

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 Gibsonton

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

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 Gibsonton

Short answers with the numbers for Gibsonton 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 Gibsonton?

The typical home value in Gibsonton is $304,500, 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 Gibsonton?

Typical rent in Gibsonton is $1,386 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 Gibsonton?

Gibsonton 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 Gibsonton?

The typical homeowner in Gibsonton pays $3,177 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Hillsborough County, the rate is 0.81%.

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

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).