In River Ridge, a typical home is worth $327,000 and typical rent is $2,194 a month. Compared with all of Pasco County, typical household income is 46% higher and typical rent is 46% higher.
River Ridge 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
Nearby, in New Port Richey East, the typical rent is $1,156: 47% less than in River Ridge ($2,194).
2
Nearby, in Bayonet Point, the typical home value is $177,000: 46% less than in River Ridge ($327,000).
3
The typical household income in River Ridge is $102,798,46% more than in Pasco County as a whole ($70,492).
4
The typical rent in River Ridge is $2,194 a month, 46% more than in Pasco County as a whole ($1,505).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in River Ridge
What homes there are in River Ridge, 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
River Ridge
Pasco County
Florida
United States
Kind of home: River Ridge and its comparisons
Measure
River Ridge
Pasco County
Florida
United States
Detached house
86%
64%
55%
61%
Attached house
12%
6%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
25%
19%
Mobile home
Unreliable estimate
17%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in River Ridge: 86% of homes, more than in Pasco County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
River Ridge
Pasco County
Florida
United States
Year built: River Ridge and its comparisons
Measure
River Ridge
Pasco County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
Unreliable estimate
25%
24%
24%
1980–1999
70%
33%
34%
25%
2000–2009
21%
21%
18%
14%
2010 or later
Unreliable estimate
18%
14%
11%
In River Ridge, half of the homes were built before 1995; in Pasco County, before 1992.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K27%
$300K–$500K50%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: River Ridge and its comparisons
Measure
River Ridge
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
27%
$300K–$500K
50%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,49965%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: River Ridge and its comparisons
Measure
River Ridge
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
65%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,620 a month
Pasco County: $1,817 a month
Without a mortgage
$512 a month
Pasco County: $536 a month
Owners with a mortgage
72%
Pasco County: 57%
The typical cost for an owner with a mortgage in River Ridge is $1,620 a month, less than in Pasco County ($1,817); without one, $512.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
River Ridge+91%
Pasco County+86%
Florida+67%
United States+53%
Typical rent
River Ridge+39%
Pasco County+42%
Florida+42%
United States+33%
Typical household income
River Ridge+67%
Pasco County+33%
Florida+34%
United States+29%
Change since 2015–2019: River Ridge and its comparisons
Measure
River Ridge
Pasco County
Florida
United States
Typical home value
+91%
+86%
+67%
+53%
Typical rent
+39%
+42%
+42%
+33%
Typical household income
+67%
+33%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in River Ridge rose 91%; in Pasco County, it rose 86%.
Rents in River Ridge rose at about the same pace as in Pasco County: 39% since 2015–2019, against 42%.
To compare: typical income in River Ridge rose 67%; the home, +91%; the rent, +39%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: River Ridge and its comparisons
Measure
River Ridge
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
2.91
2.56
2.51
2.53
Drive alone
79%
68%
70%
69%
Carpool
Unreliable estimate
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
12%
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
More people live in each home here: 2.91 on average, against 2.56 in Pasco County.
In River Ridge, 79% of workers drive alone to work; in Pasco County, 68%.
Do the math
What would you pay each month for a home in River Ridge?
A typical home is tight for the typical income
We start with a typical home in River Ridge, worth $327,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in River Ridge, which is $102,798 a year. For that payment to be 28% of income, a household would need to earn about $111,913 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 River Ridge. 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 $11,445 (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
$2,611
at 7.18% · 30 years
Loan amount
$321,077
Total interest
$461,955
Paid off in
November 2056
Includes $5,522 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,399 a month
Tight
$2,399 to $3,084 a month
Your payment · 30%
Hard
more than $3,084 a month
Compared with the typical household income in River Ridge ($102,798 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,175
Property tax
$155
Home insurance
$136
FHA mortgage insurance (MIP)
$145
You need at least $11,445 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 $2,611; principal and interest $2,175.
The city and its county
River Ridge and Pasco County
River Ridge 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).
River Ridge
Map of Pasco County, Florida, with River Ridge marked. Around it, the neighboring counties.
River Ridge
Pasco County
Other cities with a page
River Ridge's own numbers
Typical home value
$327,000
Typical monthly rent
$2,194
Typical yearly household income
$102,798
Households that own their home
80%
Effective property tax rate
0.57%
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 River Ridge is worth $327,000: 9% above the county and 9% below Florida. With the typical household income in River Ridge ($102,798 a year), a typical home costs 3.2 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.
River Ridge3.2 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
River Ridge 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
River Ridge$327,000
Pasco$300,900
Florida$359,000
United States$332,700
Typical monthly rent
River Ridge$2,194
Pasco$1,505
Florida$1,669
United States$1,413
Typical yearly household income
River Ridge$102,798
Pasco$70,492
Florida$74,568
United States$80,734
See the full table
River Ridge next to Pasco County and Florida
Measure
River Ridge
Pasco County
Florida
U.S.
Typical home value
$327,000 ▲9% above the county
$300,900
$359,000
$332,700
Typical monthly rent
$2,194 ▲46% above the county
$1,505
$1,669
$1,413
Typical yearly household income
$102,798 ▲46% above the county
$70,492
$74,568
$80,734
Households that own their home
80% ▲5 points above the county
76%
68%
65%
Typical yearly property tax
$1,873 ▼15% below the county
$2,206
$2,730
$3,119
Effective property tax rate
0.57% ▼0.16 points below the county
0.73%
0.76%
0.94%
Renters with high rent for their income
50% ▼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 River Ridge
For a typical $327,000 home in River Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, River Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,611a month
Least cash to close
Down payment
$11,445
Cash to close
$21,255
Rate
7.18%
Mortgage insurance
FHA MIP · $145
Conventional, 5% down$2,551a month
Down payment
$16,350
Cash to close
$26,160
Rate
7.18%
Mortgage insurance
PMI · $155
Conventional, 20% down, no PMI$2,064a month
Down payment
$65,400
Cash to close
$75,210
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,366a month
Down payment
$49,050
Cash to close
$58,860
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in River Ridge
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,611
$11,445
$321,077
7.18%
FHA MIP · $145
$21,255
580
Conventional, 5% down
$2,551
$16,350
$310,650
7.18%
PMI · $155
$26,160
620*
Conventional, 20% down, no PMI
$2,064
$65,400
$261,600
7.18%
None
$75,210
620*
ITIN, 15% down (example)
$2,366
$49,050
$277,950
8.18%
None
$58,860
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 River Ridge is $2,194 a month: 46% above the county. In River Ridge, 50% 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 River Ridge
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). River Ridge has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,930 in 34654 to $2,130 in 34655.
2 of the 2 are above the fair market rent for Pasco County ($1,917).
Fair market rent by ZIP code and size in River Ridge, fiscal year 2027.
34654
$1,610
$1,660
$1,930
$2,470
$3,000
34655
$1,770
$1,830
$2,130
$2,720
$3,310
ZIP code2 bd3 bd
34654 $1,930$2,470
34655 $2,130$2,720
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for River Ridge 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 River Ridge or Pasco County. The ones below are statewide in Florida: they work in River Ridge 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 River Ridge 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 River Ridge 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 River Ridge?
The typical home value in River Ridge is $327,000, 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 River Ridge?
Typical rent in River Ridge is $2,194 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 River Ridge?
River Ridge 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 River Ridge?
The typical homeowner in River Ridge pays $1,873 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Pasco County, the rate is 0.73%.
Where can I find free help to buy or rent in River Ridge?
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.
