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City · 10,447 residents · Hillsborough County, Florida

Pebble Creek , Florida

In Pebble Creek, a typical home is worth $435,900 and typical rent is $2,320 a month. Compared with all of Hillsborough County, typical rent is 39% higher, typical household income is 38% higher, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $435,900

    17% above the county

    21% above Florida

    • Pebble Creek
    • Hillsborough
    • Florida

  • Typical rent

    $2,320a month

    39% above the county

    39% above Florida

    • Pebble Creek
    • Hillsborough
    • Florida

  • Typical household income

    $110,085a year

    38% above the county

    48% above Florida

    • Pebble Creek
    • Hillsborough
    • Florida

  • Households that own their home

    76%

    15 points above the county

    9 points above Florida

    • Pebble Creek
    • Hillsborough
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$432,270
1.4% less than 12 months ago
Typical rent
$2,475 a month

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

Pebble Creek 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 Pebble Creek apart

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

  1. Nearby, in University, the typical home value is $164,900: 62% less than in Pebble Creek ($435,900).

  2. Nearby, in Thonotosassa, the typical rent is $1,134: 51% less than in Pebble Creek ($2,320).

  3. The typical rent in Pebble Creek is $2,320 a month, 39% more than in Hillsborough County as a whole ($1,667).

  4. The typical household income in Pebble Creek is $110,085, 38% more than in Hillsborough County as a whole ($79,540).

  5. 76% of households in Pebble Creek own their home, against 61% in Hillsborough County.

  6. The typical home in Pebble Creek is worth $435,900, 17% more than in Hillsborough County as a whole ($371,500).

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

The homes here

Housing in Pebble Creek

What homes there are in Pebble Creek, 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 80% of homes here, against 57% in Hillsborough County.

Year built

The typical home in Pebble Creek was built in 2002, 11 years after the typical one in Hillsborough County.

Homes in Pebble Creek 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

$2,221 a month

Hillsborough County: $2,003 a month

Without a mortgage

$1,008 a month

Hillsborough County: $657 a month

Owners with a mortgage

65%

Hillsborough County: 64%

Owning costs more in Pebble Creek: with a mortgage, the typical cost is $2,221 a month; in Hillsborough County, $2,003. Without one, $1,008.

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 Pebble Creek rose 58% since 2015–2019, less than in Hillsborough County (72%).

The typical rent in Pebble Creek rose 48% since 2015–2019, about the same as in Hillsborough County (46%).

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

MeasurePebble CreekHillsborough 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 2.932.562.512.53
Drive alone 55%67%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 35%21%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.93 on average, against 2.56 in Hillsborough County.

In Pebble Creek, 35% of workers work from home, more than in Hillsborough County (21%).

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 Pebble Creek?

A typical home costs more than the typical income allows

We start with a typical home in Pebble Creek, worth $435,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Pebble Creek, which is $110,085 a year. For that payment to be 28% of income, a household would need to earn about $155,098 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 Pebble Creek. 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 $15,257 (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

$3,619

at 7.18% · 30 years

Loan amount
$428,004
Total interest
$615,798
Paid off in
November 2056

Includes $7,361 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,569 a month

  • Tight

    $2,569 to $3,303 a month

  • Hard

    more than $3,303 a month

    Your payment · 39%

Compared with the typical household income in Pebble Creek ($110,085 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,619
Principal & interest$2,899
Property tax$345
Home insurance$182
FHA mortgage insurance (MIP)$193

You need at least $15,257 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

Pebble Creek and Hillsborough County

Pebble Creek 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).

Pebble Creek's own numbers

Typical home value
$435,900
Typical monthly rent
$2,320
Typical yearly household income
$110,085
Households that own their home
76%
Effective property tax rate
0.95%

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 Pebble Creek

A typical home in Pebble Creek is worth $435,900: 17% above the county and 21% above Florida. With the typical household income in Pebble Creek ($110,085 a year), a typical home costs 4.0 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.

  • Pebble Creek 4.0 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

Pebble Creek 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
  • Pebble Creek $435,900
  • Hillsborough $371,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Pebble Creek $2,320
  • Hillsborough $1,667
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Pebble Creek $110,085
  • Hillsborough $79,540
  • Florida $74,568
  • United States $80,734
See the full table
Pebble Creek next to Hillsborough County and Florida
Measure Pebble Creek Hillsborough County Florida U.S.
Typical home value $435,900 $371,500 $359,000 $332,700
Typical monthly rent $2,320 $1,667 $1,669 $1,413
Typical yearly household income $110,085 $79,540 $74,568 $80,734
Households that own their home 76% 61% 68% 65%
Typical yearly property tax $4,138 $3,010 $2,730 $3,119
Effective property tax rate 0.95% 0.81% 0.76% 0.94%
Renters with high rent for their income 70% 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 Pebble Creek

For a typical $435,900 home in Pebble Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pebble Creek's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,619a month

    Least cash to close
    Down payment
    $15,257
    Cash to close
    $28,334
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $193

  • Conventional, 5% down $3,539a month

    Down payment
    $21,795
    Cash to close
    $34,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $207

  • Conventional, 20% down, no PMI $2,889a month

    Down payment
    $87,180
    Cash to close
    $100,257
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,292a month

    Down payment
    $65,385
    Cash to close
    $78,462
    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 Pebble Creek and for Hillsborough County.

Property tax

Effective rate in Pebble Creek

0.95%of the home’s value each year

$4,138 a year for the typical owner in Pebble Creek.

  • Pebble Creek 0.95%
  • 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 Pebble Creek

Typical rent in Pebble Creek is $2,320 a month: 39% above the county. In Pebble Creek, 70% 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 Pebble Creek

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pebble Creek is in ZIP code 33647.

For 2 bedrooms it is $2,320: $403 more than the fair market rent for Hillsborough County ($1,917).

  • 33647 $2,320$2,960

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

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Pebble Creek

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Pebble Creek

The HUD-approved agencies closest to the center of Pebble Creek, 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 · 9 miles away · Spanish

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

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 11 miles away · Spanish

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

  • Solita's House Inc

    1029 E Hillsborough Ave, Tampa · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (813) 425-4847

Every agency in Hillsborough County All counseling agencies in Florida

Help in Spanish near Pebble Creek

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 Pebble Creek

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

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Pebble Creek

Short answers with the numbers for Pebble Creek 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 Pebble Creek?

The typical home value in Pebble Creek is $435,900, 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 Pebble Creek?

Typical rent in Pebble Creek is $2,320 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 Pebble Creek?

Pebble Creek 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 Pebble Creek?

The typical homeowner in Pebble Creek pays $4,138 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Hillsborough County, the rate is 0.81%.

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

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).