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City · 8,885 residents · Hillsborough County, Florida

Seffner , Florida

In Seffner, a typical home is worth $344,100 and typical rent is $1,818 a month. Compared with all of Hillsborough County, typical household income is 17% higher, typical rent is 9% higher, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $344,100

    7% below the county

    4% below Florida

    • Seffner
    • Hillsborough
    • Florida

  • Typical rent

    $1,818a month

    9% above the county

    9% above Florida

    • Seffner
    • Hillsborough
    • Florida

  • Typical household income

    $93,333a year

    17% above the county

    25% above Florida

    • Seffner
    • Hillsborough
    • Florida

  • Households that own their home

    84%

    22 points above the county

    16 points above Florida

    • Seffner
    • Hillsborough
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$351,494
about the same as 12 months ago
Typical rent
$2,197 a month
2% more than 12 months ago

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

Seffner 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 Seffner apart

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

  1. 84% of households in Seffner own their home, against 61% in Hillsborough County.

  2. Nearby, in Thonotosassa, the typical rent is $1,134: 38% less than in Seffner ($1,818).

  3. Nearby, in East Lake-Orient Park, the typical home value is $233,200: 32% less than in Seffner ($344,100).

  4. The typical household income in Seffner is $93,333, 17% more than in Hillsborough County as a whole ($79,540).

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

The homes here

Housing in Seffner

What homes there are in Seffner, 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

The detached house rules in Seffner: 83% of homes, more than in Hillsborough County (57%).

Year built

The typical year built in Seffner is 1989, about the same as in Hillsborough County (1991).

There is more room for a big family here: 87% of homes have 3 bedrooms or more, against 60% in Hillsborough County.

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

$1,768 a month

Hillsborough County: $2,003 a month

Without a mortgage

$541 a month

Hillsborough County: $657 a month

Owners with a mortgage

69%

Hillsborough County: 64%

In Seffner, 69% of owners have a mortgage, and their typical cost is $1,768 a month, against $2,003 in Hillsborough County. Without one it drops to $541.

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

From 2015–2019 to 2020–2024, the typical home value in Seffner rose 78%; in Hillsborough County, it rose 72%.

The typical rent in Seffner rose 41% over the same time; in Hillsborough County, it rose 46%.

Here income did not keep up with housing: it rose 34%, while home values changed +78% and rent +41%.

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

MeasureSeffnerHillsborough 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 2.912.562.512.53
Drive alone 66%67%70%69%
Carpool 12%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 18%21%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Seffner has 2.91 people, more than in Hillsborough County (2.56).

Carpooling is common in Seffner: 12% of workers get to work that way, against 9% in Hillsborough County.

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 Seffner?

A typical home costs more than the typical income allows

We start with a typical home in Seffner, worth $344,100, 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 Seffner, which is $93,333 a year. For that payment to be 28% of income, a household would need to earn about $120,100 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 Seffner. 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 $12,044 (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

$2,802

at 7.18% · 30 years

Loan amount
$337,867
Total interest
$486,111
Paid off in
November 2056

Includes $5,811 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,178 a month

  • Tight

    $2,178 to $2,800 a month

  • Hard

    more than $2,800 a month

    Your payment · 36%

Compared with the typical household income in Seffner ($93,333 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,802
Principal & interest$2,289
Property tax$218
Home insurance$143
FHA mortgage insurance (MIP)$152

You need at least $12,044 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

Seffner and Hillsborough County

Seffner 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).

Seffner's own numbers

Typical home value
$344,100
Typical monthly rent
$1,818
Typical yearly household income
$93,333
Households that own their home
84%
Effective property tax rate
0.76%

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 Seffner

A typical home in Seffner is worth $344,100: 7% below the county and 4% below Florida. With the typical household income in Seffner ($93,333 a year), a typical home costs 3.7 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.

  • Seffner 3.7 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

Seffner 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
  • Seffner $344,100
  • Hillsborough $371,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Seffner $1,818
  • Hillsborough $1,667
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Seffner $93,333
  • Hillsborough $79,540
  • Florida $74,568
  • United States $80,734
See the full table
Seffner next to Hillsborough County and Florida
Measure Seffner Hillsborough County Florida U.S.
Typical home value $344,100 $371,500 $359,000 $332,700
Typical monthly rent $1,818 $1,667 $1,669 $1,413
Typical yearly household income $93,333 $79,540 $74,568 $80,734
Households that own their home 84% 61% 68% 65%
Typical yearly property tax $2,621 $3,010 $2,730 $3,119
Effective property tax rate 0.76% 0.81% 0.76% 0.94%

“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 Seffner

For a typical $344,100 home in Seffner, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seffner's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,802a month

    Least cash to close
    Down payment
    $12,044
    Cash to close
    $22,367
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $152

  • Conventional, 5% down $2,739a month

    Down payment
    $17,205
    Cash to close
    $27,528
    Rate
    7.18%
    Mortgage insurance
    PMI · $163

  • Conventional, 20% down, no PMI $2,226a month

    Down payment
    $68,820
    Cash to close
    $79,143
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,544a month

    Down payment
    $51,615
    Cash to close
    $61,938
    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 Seffner and for Hillsborough County.

Property tax

Effective rate in Seffner

0.76%of the home’s value each year

$2,621 a year for the typical owner in Seffner.

  • Seffner 0.76%
  • 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 Seffner

Typical rent in Seffner is $1,818 a month: 9% above the county.

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 Seffner

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seffner is in ZIP code 33584.

For 2 bedrooms it is $1,770: $147 less than the fair market rent for Hillsborough County ($1,917).

  • 33584 $1,770$2,260

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

Low-income apartments

Low-income apartments in Seffner

HUD lists 2 buildings with rents for lower incomes in Seffner. These are the largest.

  • North Grove 713 N Grove Ln, Seffner 33584 31 low-income homes · 1 bd: 8 · 2 bd: 23 · In service since 2016 · For families
  • Preserve at Sabal Park 10920 E Broadway Ave, Seffner 33584 144 homes · 1 bd: 48 · 2 bd: 72 · 3 bd: 24 · In service since 2019 · For families

See all 140 buildings in Hillsborough County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Seffner

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Seffner

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Seffner

The HUD-approved agencies closest to the center of Seffner, 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 · 10 miles away · Spanish

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

  • Solita's House Inc

    1029 E Hillsborough Ave, Tampa · 11 miles away · Spanish

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

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 12 miles away · Spanish

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

Every agency in Hillsborough County All counseling agencies in Florida

Help in Spanish near Seffner

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 Seffner

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

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Seffner

Short answers with the numbers for Seffner 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 Seffner?

The typical home value in Seffner is $344,100, 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 Seffner?

Typical rent in Seffner is $1,818 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 Seffner?

Seffner 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 Seffner?

The typical homeowner in Seffner pays $2,621 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Hillsborough County, the rate is 0.81%.

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

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).