In Land O' Lakes, a typical home is worth $377,400 and typical rent is $2,045 a month. Compared with all of Pasco County, typical household income is 40% higher, typical rent is 36% higher, and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $367,446 to $415,364.
Typical rent
$2,255a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,923 to $2,255.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Land O' Lakes 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 household income in Land O' Lakes is $98,568,40% more than in Pasco County as a whole ($70,492).
2
The typical rent in Land O' Lakes is $2,045 a month, 36% more than in Pasco County as a whole ($1,505).
3
Nearby, in Cheval, the typical rent is $1,442: 29% less than in Land O' Lakes ($2,045).
4
The typical home in Land O' Lakes is worth $377,400,25% more than in Pasco County as a whole ($300,900).
5
83% of households in Land O' Lakes own their home, against 76% in Pasco County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Land O' Lakes
What homes there are in Land O' Lakes, 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
Land O' Lakes
Pasco County
Florida
United States
Kind of home: Land O' Lakes and its comparisons
Measure
Land O' Lakes
Pasco County
Florida
United States
Detached house
77%
64%
55%
61%
Attached house
6%
6%
7%
6%
Building of 2 to 4
3%
3%
6%
8%
Apartments (5 or more)
10%
9%
25%
19%
Mobile home
4%
17%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Land O' Lakes, 8 in 10 homes are single-family detached houses; in Pasco County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Land O' Lakes
Pasco County
Florida
United States
Year built: Land O' Lakes and its comparisons
Measure
Land O' Lakes
Pasco County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
11%
25%
24%
24%
1980–1999
40%
33%
34%
25%
2000–2009
35%
21%
18%
14%
2010 or later
13%
18%
14%
11%
The typical home in Land O' Lakes was built in 1999, 7 years after the typical one in Pasco County.
Homes in Land O' Lakes are bigger: 76% have 3 bedrooms or more; in Pasco County, 53%.
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 $100K5%
$100K–$200K5%
$200K–$300K21%
$300K–$500K46%
$500K–$750K18%
FHA limit: $541,287
$750K–$1M4%
$1M or moreUnreliable
Value of owner-occupied homes: Land O' Lakes and its comparisons
Measure
Land O' Lakes
Under $100K
5%
$100K–$200K
5%
$200K–$300K
21%
$300K–$500K
46%
$500K–$750K
18%
$750K–$1M
4%
$1M or more
Unreliable estimate
By price, most homes in Land O' Lakes sit under the FHA limit for Pasco County ($541,287): about 80%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49915%
$1,500–$1,99929%
$2,000–$2,49932%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Land O' Lakes and its comparisons
Measure
Land O' Lakes
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
15%
$1,500–$1,999
29%
$2,000–$2,499
32%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,942 a month
Pasco County: $1,817 a month
Without a mortgage
$667 a month
Pasco County: $536 a month
Owners with a mortgage
69%
Pasco County: 57%
The typical cost for an owner with a mortgage in Land O' Lakes is $1,942 a month, more than in Pasco County ($1,817); without one, $667.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Land O' Lakes+57%
Pasco County+86%
Florida+67%
United States+53%
Typical rent
Land O' Lakes+49%
Pasco County+42%
Florida+42%
United States+33%
Typical household income
Land O' Lakes+22%
Pasco County+33%
Florida+34%
United States+29%
Change since 2015–2019: Land O' Lakes and its comparisons
Measure
Land O' Lakes
Pasco County
Florida
United States
Typical home value
+57%
+86%
+67%
+53%
Typical rent
+49%
+42%
+42%
+33%
Typical household income
+22%
+33%
+34%
+29%
Homes in Land O' Lakes gained value more slowly than in Pasco County: 57% since 2015–2019, against 86%.
Rents in Land O' Lakes rose faster than in Pasco County: 49% since 2015–2019, against 42%.
Housing prices ran ahead of income in Land O' Lakes: typical income rose 22%, against +57% for home values and +49% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Land O' Lakes and its comparisons
Measure
Land O' Lakes
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
2.72
2.56
2.51
2.53
Drive alone
70%
68%
70%
69%
Carpool
8%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
21%
20%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Land O' Lakes are bigger: 2.72 people on average; in Pasco County, 2.56.
The car rules in Land O' Lakes: 70% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.
Do the math
What would you pay each month for a home in Land O' Lakes?
A typical home costs more than the typical income allows
We start with a typical home in Land O' Lakes, worth $377,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Land O' Lakes, which is $98,568 a year. For that payment to be 28% of income, a household would need to earn about $131,588 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 Land O' Lakes. 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 $13,209 (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
$3,070
at 7.18% · 30 years
Loan amount
$370,564
Total interest
$533,155
Paid off in
November 2056
Includes $6,373 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,300 a month
Tight
$2,300 to $2,957 a month
Hard
more than $2,957 a month
Your payment · 37%
Compared with the typical household income in Land O' Lakes ($98,568 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,510
Property tax
$236
Home insurance
$157
FHA mortgage insurance (MIP)
$167
You need at least $13,209 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 $3,070; principal and interest $2,510.
The city and its county
Land O' Lakes and Pasco County
Land O' Lakes 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).
Land O' Lakes
Map of Pasco County, Florida, with Land O' Lakes marked. Around it, the neighboring counties.
Land O' Lakes
Pasco County
Other cities with a page
Land O' Lakes's own numbers
Typical home value
$377,400
Typical monthly rent
$2,045
Typical yearly household income
$98,568
Households that own their home
83%
Effective property tax rate
0.75%
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 Land O' Lakes is worth $377,400: 25% above the county and 5% above Florida. With the typical household income in Land O' Lakes ($98,568 a year), a typical home costs 3.8 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.
Land O' Lakes3.8 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
Land O' Lakes 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
Land O' Lakes$377,400
Pasco$300,900
Florida$359,000
United States$332,700
Typical monthly rent
Land O' Lakes$2,045
Pasco$1,505
Florida$1,669
United States$1,413
Typical yearly household income
Land O' Lakes$98,568
Pasco$70,492
Florida$74,568
United States$80,734
See the full table
Land O' Lakes next to Pasco County and Florida
Measure
Land O' Lakes
Pasco County
Florida
U.S.
Typical home value
$377,400 ▲25% above the county
$300,900
$359,000
$332,700
Typical monthly rent
$2,045 ▲36% above the county
$1,505
$1,669
$1,413
Typical yearly household income
$98,568 ▲40% above the county
$70,492
$74,568
$80,734
Households that own their home
83% ▲7 points above the county
76%
68%
65%
Typical yearly property tax
$2,832 ▲28% above the county
$2,206
$2,730
$3,119
Effective property tax rate
0.75% ▲0.02 points above the county
0.73%
0.76%
0.94%
Renters with high rent for their income
51% ▼4 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 Land O' Lakes
For a typical $377,400 home in Land O' Lakes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Land O' Lakes's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,070a month
Least cash to close
Down payment
$13,209
Cash to close
$24,531
Rate
7.18%
Mortgage insurance
FHA MIP · $167
Conventional, 5% down$3,001a month
Down payment
$18,870
Cash to close
$30,192
Rate
7.18%
Mortgage insurance
PMI · $179
Conventional, 20% down, no PMI$2,438a month
Down payment
$75,480
Cash to close
$86,802
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,787a month
Down payment
$56,610
Cash to close
$67,932
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Land O' Lakes
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,070
$13,209
$370,564
7.18%
FHA MIP · $167
$24,531
580
Conventional, 5% down
$3,001
$18,870
$358,530
7.18%
PMI · $179
$30,192
620*
Conventional, 20% down, no PMI
$2,438
$75,480
$301,920
7.18%
None
$86,802
620*
ITIN, 15% down (example)
$2,787
$56,610
$320,790
8.18%
None
$67,932
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 Land O' Lakes is $2,045 a month: 36% above the county. In Land O' Lakes, 51% 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 Land O' Lakes
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Land O' Lakes has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,410 in 34639 to $2,780 in 34638.
2 of the 2 are above the fair market rent for Pasco County ($1,917).
Fair market rent by ZIP code and size in Land O' Lakes, fiscal year 2027.
34638
$2,320
$2,390
$2,780
$3,550
$4,320
34639
$2,010
$2,070
$2,410
$3,080
$3,740
ZIP code2 bd3 bd
34638 $2,780$3,550
34639 $2,410$3,080
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Land O' Lakes 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 Land O' Lakes or Pasco County. The ones below are statewide in Florida: they work in Land O' Lakes 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.
The HUD-approved agencies closest to the center of Land O' Lakes, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
OH
Operation Hope- Tampa
2208 E Fowler Ave, Tampa · 11 miles away · Spanish
No legal help resource on our list is for Land O' Lakes 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 Land O' Lakes 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 Land O' Lakes?
The typical home value in Land O' Lakes is $377,400, 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 Land O' Lakes?
Typical rent in Land O' Lakes is $2,045 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 Land O' Lakes?
Land O' Lakes 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 Land O' Lakes?
The typical homeowner in Land O' Lakes pays $2,832 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Pasco County, the rate is 0.73%.
Where can I find free help to buy or rent in Land O' Lakes?
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.
