In Wesley Chapel, a typical home is worth $403,700 and typical rent is $2,100 a month. Compared with all of Pasco County, typical household income is 53% higher and typical rent is 40% higher.
Typical home value from Zillow, September 2021 to September 2026: from $357,483 to $398,488.
Typical rent
$2,209a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,031 to $2,209.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wesley Chapel 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 Zephyrhills South, the typical home value is $49,800: 88% less than in Wesley Chapel ($403,700).
2
Nearby, in Zephyrhills South, the typical rent is $926: 56% less than in Wesley Chapel ($2,100).
3
The typical household income in Wesley Chapel is $107,504,53% more than in Pasco County as a whole ($70,492).
4
The typical rent in Wesley Chapel is $2,100 a month, 40% more than in Pasco County as a whole ($1,505).
5
The typical home in Wesley Chapel is worth $403,700,34% more than in Pasco County as a whole ($300,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Wesley Chapel
What homes there are in Wesley Chapel, 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
Wesley Chapel
Pasco County
Florida
United States
Kind of home: Wesley Chapel and its comparisons
Measure
Wesley Chapel
Pasco County
Florida
United States
Detached house
69%
64%
55%
61%
Attached house
14%
6%
7%
6%
Building of 2 to 4
2%
3%
6%
8%
Apartments (5 or more)
10%
9%
25%
19%
Mobile home
6%
17%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Wesley Chapel: 69% of homes, more than in Pasco County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Wesley Chapel
Pasco County
Florida
United States
Year built: Wesley Chapel and its comparisons
Measure
Wesley Chapel
Pasco County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
4%
25%
24%
24%
1980–1999
23%
33%
34%
25%
2000–2009
40%
21%
18%
14%
2010 or later
33%
18%
14%
11%
Homes in Wesley Chapel are newer: the typical year built is 2006; in Pasco County, 1992.
In Wesley Chapel, 80% of homes have 3 bedrooms or more, more than 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 limit
Under $100K4%
$100K–$200K4%
$200K–$300K15%
$300K–$500K46%
$500K–$750K20%
FHA limit: $541,287
$750K–$1M6%
$1M or more3%
Value of owner-occupied homes: Wesley Chapel and its comparisons
Measure
Wesley Chapel
Under $100K
4%
$100K–$200K
4%
$200K–$300K
15%
$300K–$500K
46%
$500K–$750K
20%
$750K–$1M
6%
$1M or more
3%
About 73% of owner-occupied homes in Wesley Chapel are worth less than the FHA loan limit for Pasco County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,4999%
$1,500–$1,99932%
$2,000–$2,49935%
$2,500–$2,99915%
$3,000 or more7%
Monthly rent with utilities: Wesley Chapel and its comparisons
Measure
Wesley Chapel
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
9%
$1,500–$1,999
32%
$2,000–$2,499
35%
$2,500–$2,999
15%
$3,000 or more
7%
With a mortgage
$2,165 a month
Pasco County: $1,817 a month
Without a mortgage
$708 a month
Pasco County: $536 a month
Owners with a mortgage
72%
Pasco County: 57%
Owning costs more in Wesley Chapel: with a mortgage, the typical cost is $2,165 a month; in Pasco County, $1,817. Without one, $708.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wesley Chapel+74%
Pasco County+86%
Florida+67%
United States+53%
Typical rent
Wesley Chapel+42%
Pasco County+42%
Florida+42%
United States+33%
Typical household income
Wesley Chapel+27%
Pasco County+33%
Florida+34%
United States+29%
Change since 2015–2019: Wesley Chapel and its comparisons
Measure
Wesley Chapel
Pasco County
Florida
United States
Typical home value
+74%
+86%
+67%
+53%
Typical rent
+42%
+42%
+42%
+33%
Typical household income
+27%
+33%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Wesley Chapel rose 74%; in Pasco County, it rose 86%.
The typical rent in Wesley Chapel rose 42% since 2015–2019, about the same as in Pasco County (42%).
The typical household income in Wesley Chapel rose 27%: less than home values (+74%) and rent (+42%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wesley Chapel and its comparisons
Measure
Wesley Chapel
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
2.3%
2.0%
3.3%
3.4%
People per household
3.01
2.56
2.51
2.53
Drive alone
61%
68%
70%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
1%
1%
2%
3%
Work from home
27%
20%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
30 to 39 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 2.3% of households in Wesley Chapel live, near the figure in Pasco County (2.0%).
More people live in each home here: 3.01 on average, against 2.56 in Pasco County.
Many people here do not commute at all: 27% work from home; in Pasco County, 20%.
Do the math
What would you pay each month for a home in Wesley Chapel?
A typical home costs more than the typical income allows
We start with a typical home in Wesley Chapel, worth $403,700, 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 Wesley Chapel, which is $107,504 a year. For that payment to be 28% of income, a household would need to earn about $142,920 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 Wesley Chapel. 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 $14,130 (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
$3,335
at 7.18% · 30 years
Loan amount
$396,387
Total interest
$570,309
Paid off in
November 2056
Includes $6,817 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,508 a month
Tight
$2,508 to $3,225 a month
Hard
more than $3,225 a month
Your payment · 37%
Compared with the typical household income in Wesley Chapel ($107,504 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,685
Property tax
$303
Home insurance
$168
FHA mortgage insurance (MIP)
$179
You need at least $14,130 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 $3,335; principal and interest $2,685.
The city and its county
Wesley Chapel and Pasco County
Wesley Chapel 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).
Wesley Chapel
Map of Pasco County, Florida, with Wesley Chapel marked. Around it, the neighboring counties.
Wesley Chapel
Pasco County
Other cities with a page
Wesley Chapel's own numbers
Typical home value
$403,700
Typical monthly rent
$2,100
Typical yearly household income
$107,504
Households that own their home
77%
Effective property tax rate
0.9%
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 Wesley Chapel is worth $403,700: 34% above the county and 12% above Florida. With the typical household income in Wesley Chapel ($107,504 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.
Wesley Chapel3.8 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
Wesley Chapel 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
Wesley Chapel$403,700
Pasco$300,900
Florida$359,000
United States$332,700
Typical monthly rent
Wesley Chapel$2,100
Pasco$1,505
Florida$1,669
United States$1,413
Typical yearly household income
Wesley Chapel$107,504
Pasco$70,492
Florida$74,568
United States$80,734
See the full table
Wesley Chapel next to Pasco County and Florida
Measure
Wesley Chapel
Pasco County
Florida
U.S.
Typical home value
$403,700 ▲34% above the county
$300,900
$359,000
$332,700
Typical monthly rent
$2,100 ▲40% above the county
$1,505
$1,669
$1,413
Typical yearly household income
$107,504 ▲53% above the county
$70,492
$74,568
$80,734
Households that own their home
77% ▲1 points above the county
76%
68%
65%
Typical yearly property tax
$3,652 ▲66% above the county
$2,206
$2,730
$3,119
Effective property tax rate
0.9% ▲0.17 points above the county
0.73%
0.76%
0.94%
Renters with high rent for their income
52% ▼2 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 Wesley Chapel
For a typical $403,700 home in Wesley Chapel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wesley Chapel's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,335a month
Least cash to close
Down payment
$14,130
Cash to close
$26,241
Rate
7.18%
Mortgage insurance
FHA MIP · $179
Conventional, 5% down$3,261a month
Down payment
$20,185
Cash to close
$32,296
Rate
7.18%
Mortgage insurance
PMI · $192
Conventional, 20% down, no PMI$2,659a month
Down payment
$80,740
Cash to close
$92,851
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,032a month
Down payment
$60,555
Cash to close
$72,666
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wesley Chapel
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,335
$14,130
$396,388
7.18%
FHA MIP · $179
$26,241
580
Conventional, 5% down
$3,261
$20,185
$383,515
7.18%
PMI · $192
$32,296
620*
Conventional, 20% down, no PMI
$2,659
$80,740
$322,960
7.18%
None
$92,851
620*
ITIN, 15% down (example)
$3,032
$60,555
$343,145
8.18%
None
$72,666
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 Wesley Chapel is $2,100 a month: 40% above the county. In Wesley Chapel, 52% 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 Wesley Chapel
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wesley Chapel has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,440 in 33544 to $2,740 in 33545.
3 of the 3 are above the fair market rent for Pasco County ($1,917).
2-bedroom fair market rent in each of the 3 ZIP codes of Wesley Chapel, beside the one for Pasco County. For 2 bedrooms it runs from $2,440 in 33544 to $2,740 in 33545. 3 of the 3 are above the fair market rent for Pasco County ($1,917).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,917
Lowest: $2,440 (33544)Highest: $2,740 (33545)
Fair market rent by ZIP code and size in Wesley Chapel, fiscal year 2027.
33543
$2,210
$2,280
$2,650
$3,380
$4,120
33544
$2,030
$2,100
$2,440
$3,120
$3,790
33545
$2,280
$2,360
$2,740
$3,500
$4,250
ZIP code2 bd3 bd
33543 $2,650$3,380
33544 $2,440$3,120
33545 $2,740$3,500
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wesley Chapel 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 Wesley Chapel or Pasco County. The ones below are statewide in Florida: they work in Wesley Chapel 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 Wesley Chapel, 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 · 13 miles away · Spanish
No legal help resource on our list is for Wesley Chapel 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 Wesley Chapel 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 Wesley Chapel?
The typical home value in Wesley Chapel is $403,700, 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 Wesley Chapel?
Typical rent in Wesley Chapel is $2,100 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 Wesley Chapel?
Wesley Chapel 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 Wesley Chapel?
The typical homeowner in Wesley Chapel pays $3,652 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Pasco County, the rate is 0.73%.
Where can I find free help to buy or rent in Wesley Chapel?
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.
