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City · 18,907 residents · Pasco County, Florida

Trinity , Florida

In Trinity, a typical home is worth $459,800 and typical rent is $2,451 a month. Compared with all of Pasco County, typical rent is 63% higher, typical household income is 61% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $459,800

    53% above the county

    28% above Florida

    • Trinity
    • Pasco
    • Florida

  • Typical rent

    $2,451a month

    63% above the county

    47% above Florida

    • Trinity
    • Pasco
    • Florida

  • Typical household income

    $113,580a year

    61% above the county

    52% above Florida

    • Trinity
    • Pasco
    • Florida

  • Households that own their home

    86%

    10 points above the county

    18 points above Florida

    • Trinity
    • Pasco
    • Florida

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

Trinity 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Trinity apart

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

  1. The typical rent in Trinity is $2,451 a month, 63% more than in Pasco County as a whole ($1,505).

  2. The typical household income in Trinity is $113,580, 61% more than in Pasco County as a whole ($70,492).

  3. Nearby, in Elfers, the typical home value is $202,300: 56% less than in Trinity ($459,800).

  4. The typical home in Trinity is worth $459,800, 53% more than in Pasco County as a whole ($300,900).

  5. Nearby, in Elfers, the typical rent is $1,437: 41% less than in Trinity ($2,451).

  6. 86% of households in Trinity own their home, against 76% in Pasco County.

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

The homes here

Housing in Trinity

What homes there are in Trinity, 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 87% of homes here, against 64% in Pasco County.

Year built

The typical home in Trinity was built in 2006, 14 years after the typical one in Pasco County.

In Trinity, 83% of homes have 3 bedrooms or more, more than in Pasco County (53%).

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

$2,244 a month

Pasco County: $1,817 a month

Without a mortgage

$774 a month

Pasco County: $536 a month

Owners with a mortgage

68%

Pasco County: 57%

In Trinity, 68% of owners have a mortgage, and their typical cost is $2,244 a month, against $1,817 in Pasco County. Without one it drops to $774.

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 Trinity rose 63%; in Pasco County, it rose 86%.

Rent in Trinity moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureTrinityPasco CountyFloridaUnited States
Rental vacancy Unreliable estimate5.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.3%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.772.562.512.53
Drive alone 60%68%70%69%
Carpool 7%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 31%20%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Trinity are bigger: 2.77 people on average; in Pasco County, 2.56.

Many people here do not commute at all: 31% work from home; in Pasco County, 20%.

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 Trinity?

A typical home costs more than the typical income allows

We start with a typical home in Trinity, worth $459,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Trinity, which is $113,580 a year. For that payment to be 28% of income, a household would need to earn about $160,811 a year.

The calculator's FHA and conventional loan limits are those of all of Pasco County.

Your numbers

Local data
$

Starts at the typical home value in Trinity. 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 $16,093 (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

$3,752

at 7.18% · 30 years

Loan amount
$451,472
Total interest
$649,562
Paid off in
November 2056

Includes $7,765 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,650 a month

  • Tight

    $2,650 to $3,407 a month

  • Hard

    more than $3,407 a month

    Your payment · 40%

Compared with the typical household income in Trinity ($113,580 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,752
Principal & interest$3,058
Property tax$299
Home insurance$192
FHA mortgage insurance (MIP)$203

You need at least $16,093 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

Trinity and Pasco County

Trinity 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).

Trinity's own numbers

Typical home value
$459,800
Typical monthly rent
$2,451
Typical yearly household income
$113,580
Households that own their home
86%
Effective property tax rate
0.78%

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.

Everything about Pasco County

Buying

Buying a home in Trinity

A typical home in Trinity is worth $459,800: 53% above the county and 28% above Florida. With the typical household income in Trinity ($113,580 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.

  • Trinity 4.0 years
  • Pasco 4.3 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Trinity 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
  • Trinity $459,800
  • Pasco $300,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Trinity $2,451
  • Pasco $1,505
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Trinity $113,580
  • Pasco $70,492
  • Florida $74,568
  • United States $80,734
See the full table
Trinity next to Pasco County and Florida
Measure Trinity Pasco County Florida U.S.
Typical home value $459,800 $300,900 $359,000 $332,700
Typical monthly rent $2,451 $1,505 $1,669 $1,413
Typical yearly household income $113,580 $70,492 $74,568 $80,734
Households that own their home 86% 76% 68% 65%
Typical yearly property tax $3,602 $2,206 $2,730 $3,119
Effective property tax rate 0.78% 0.73% 0.76% 0.94%
Renters with high rent for their income 55% 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 Trinity

For a typical $459,800 home in Trinity, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Trinity's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,752a month

    Least cash to close
    Down payment
    $16,093
    Cash to close
    $29,887
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,668a month

    Down payment
    $22,990
    Cash to close
    $36,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $2,982a month

    Down payment
    $91,960
    Cash to close
    $105,754
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,407a month

    Down payment
    $68,970
    Cash to close
    $82,764
    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 Trinity and for Pasco County.

Property tax

Effective rate in Trinity

0.78%of the home’s value each year

$3,602 a year for the typical owner in Trinity.

  • Trinity 0.78%
  • Pasco 0.73%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Pasco County

FEMA does not publish these numbers by city: they are for all of Pasco County.

Homes in the high-risk zone
16%
35,604
Of those, with NFIP insurance
47%
County Florida U.S.
Homes in the high-risk zone 16% 13% 3.5%
Of those, with NFIP insurance 47% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Trinity

Typical rent in Trinity is $2,451 a month: 63% above the county. In Trinity, 55% 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.

HUD fair market rent for all of Pasco 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 Trinity

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Trinity is in ZIP code 34655.

For 2 bedrooms it is $2,130: $213 more than the fair market rent for Pasco County ($1,917).

  • 34655 $2,130$2,720

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

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Trinity

No down payment, repair or rent-help program on our list is for Trinity or Pasco County. The ones below are statewide in Florida: they work in Trinity the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Trinity

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

  • NSC (naca Counseling Subsidiary) - Tampa, FL

    3824 W. Sligh Avenue, Tampa · 14 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (813) 287-5051

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 15 miles away · Spanish

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

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 15 miles away · Spanish

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

All counseling agencies in Florida

Help in Spanish near Trinity

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 Trinity

HUD’s record names them for Trinity or Pasco County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pasco County Housing Authority Public housing and Section 8 vouchers (352) 567-0848

All housing agencies in Florida Source: HUD

Cities

Other cities in Pasco County

These cities are also in Pasco County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pasco County Housing in Florida
See 7 more cities in Pasco County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Trinity, with the typical home value.

Neighboring counties

If Pasco 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 Trinity.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Trinity

Short answers with the numbers for Trinity 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 Trinity?

The typical home value in Trinity is $459,800, 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 Trinity?

Typical rent in Trinity is $2,451 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 Trinity?

Trinity 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 Trinity?

The typical homeowner in Trinity pays $3,602 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Pasco County, the rate is 0.73%.

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

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.

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).