In Zephyrhills West, a typical home is worth $90,800 and typical rent is $1,127 a month. Compared with all of Pasco County, the typical home value is 70% lower, typical household income is 26% lower, and the share of households that own their home is 7 points higher.
Zephyrhills West 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
Zephyrhills West has the 2nd lowest typical home value of the 480 cities in Florida with more than 5,000 people ($90,800).
2
Nearby, in Zephyrhills South, the typical home value is $49,800: 45% less than in Zephyrhills West ($90,800).
3
The typical household income in Zephyrhills West is $51,992,26% less than in Pasco County as a whole ($70,492).
4
The typical rent in Zephyrhills West is $1,127 a month, 25% less than in Pasco County as a whole ($1,505).
5
Nearby, in Zephyrhills South, the typical rent is $926: 18% less than in Zephyrhills West ($1,127).
6
83% of households in Zephyrhills West own their home, against 76% in Pasco County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Zephyrhills West
What homes there are in Zephyrhills West, 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
Zephyrhills West
Pasco County
Florida
United States
Kind of home: Zephyrhills West and its comparisons
Measure
Zephyrhills West
Pasco County
Florida
United States
Detached house
18%
64%
55%
61%
Attached house
Unreliable estimate
6%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
25%
19%
Mobile home
78%
17%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
No kind of home is the majority in Zephyrhills West; the largest group, mobile homes, adds up to 78%, against 17% in Pasco County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Zephyrhills West
Pasco County
Florida
United States
Year built: Zephyrhills West and its comparisons
Measure
Zephyrhills West
Pasco County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
44%
25%
24%
24%
1980–1999
41%
33%
34%
25%
2000–2009
6%
21%
18%
14%
2010 or later
Unreliable estimate
18%
14%
11%
In Zephyrhills West, half of the homes were built before 1981; in Pasco County, before 1992.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K54%
$100K–$200K28%
$200K–$300K11%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Zephyrhills West and its comparisons
Measure
Zephyrhills West
Under $100K
54%
$100K–$200K
28%
$200K–$300K
11%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Zephyrhills West sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49966%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Zephyrhills West and its comparisons
Measure
Zephyrhills West
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
66%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,146 a month
Pasco County: $1,817 a month
Without a mortgage
$393 a month
Pasco County: $536 a month
Owners with a mortgage
26%
Pasco County: 57%
In Zephyrhills West, 26% of owners have a mortgage, and their typical cost is $1,146 a month, against $1,817 in Pasco County. Without one it drops to $393.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Zephyrhills WestNo clear change
Pasco County+86%
Florida+67%
United States+53%
Typical rent
Zephyrhills West+38%
Pasco County+42%
Florida+42%
United States+33%
Typical household income
Zephyrhills West+49%
Pasco County+33%
Florida+34%
United States+29%
Change since 2015–2019: Zephyrhills West and its comparisons
Measure
Zephyrhills West
Pasco County
Florida
United States
Typical home value
No clear change
+86%
+67%
+53%
Typical rent
+38%
+42%
+42%
+33%
Typical household income
+49%
+33%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Zephyrhills West did not change clearly: the difference is within the Census margin of error.
The typical rent in Zephyrhills West rose 38% over the same time; in Pasco County, it rose 42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Zephyrhills West and its comparisons
Measure
Zephyrhills West
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
1.96
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
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.96 on average, against 2.56 in Pasco County.
In Zephyrhills West, 79% of workers drive alone to work; in Pasco County, 68%.
Do the math
What would you pay each month for a home in Zephyrhills West?
A typical home is within reach of the typical income
We start with a typical home in Zephyrhills West, worth $90,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 18% of the typical household income in Zephyrhills West, which is $51,992 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 Zephyrhills West. 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 $3,178 (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
$764
at 7.18% · 30 years
Loan amount
$89,155
Total interest
$128,274
Paid off in
November 2056
Includes $1,533 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,213 a month
Your payment · 18%
Tight
$1,213 to $1,560 a month
Hard
more than $1,560 a month
Compared with the typical household income in Zephyrhills West ($51,992 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$604
Property tax
$83
Home insurance
$38
FHA mortgage insurance (MIP)
$40
You need at least $3,178 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 $764; principal and interest $604.
The city and its county
Zephyrhills West and Pasco County
Zephyrhills West 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).
Zephyrhills West
Map of Pasco County, Florida, with Zephyrhills West marked. Around it, the neighboring counties.
Zephyrhills West
Pasco County
Other cities with a page
Zephyrhills West's own numbers
Typical home value
$90,800
Typical monthly rent
$1,127
Typical yearly household income
$51,992
Households that own their home
83%
Effective property tax rate
1.09%
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 Zephyrhills West is worth $90,800: 70% below the county and 75% below Florida. With the typical household income in Zephyrhills West ($51,992 a year), a typical home costs 1.7 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.
Zephyrhills West1.7 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
Zephyrhills West 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
Zephyrhills West$90,800
Pasco$300,900
Florida$359,000
United States$332,700
Typical monthly rent
Zephyrhills West$1,127
Pasco$1,505
Florida$1,669
United States$1,413
Typical yearly household income
Zephyrhills West$51,992
Pasco$70,492
Florida$74,568
United States$80,734
See the full table
Zephyrhills West next to Pasco County and Florida
Measure
Zephyrhills West
Pasco County
Florida
U.S.
Typical home value
$90,800 ▼70% below the county
$300,900
$359,000
$332,700
Typical monthly rent
$1,127 ▼25% below the county
$1,505
$1,669
$1,413
Typical yearly household income
$51,992 ▼26% below the county
$70,492
$74,568
$80,734
Households that own their home
83% ▲7 points above the county
76%
68%
65%
Typical yearly property tax
$993 ▼55% below the county
$2,206
$2,730
$3,119
Effective property tax rate
1.09% ▲0.36 points above the county
0.73%
0.76%
0.94%
Renters with high rent for their income
57% ▲3 points above 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 Zephyrhills West
For a typical $90,800 home in Zephyrhills West, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Zephyrhills West's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$764a month
Least cash to close
Down payment
$3,178
Cash to close
$5,902
Rate
7.18%
Mortgage insurance
FHA MIP · $40
Conventional, 5% down$748a month
Down payment
$4,540
Cash to close
$7,264
Rate
7.18%
Mortgage insurance
PMI · $43
Conventional, 20% down, no PMI$612a month
Down payment
$18,160
Cash to close
$20,884
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$696a month
Down payment
$13,620
Cash to close
$16,344
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Zephyrhills West
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$764
$3,178
$89,155
7.18%
FHA MIP · $40
$5,902
580
Conventional, 5% down
$748
$4,540
$86,260
7.18%
PMI · $43
$7,264
620*
Conventional, 20% down, no PMI
$612
$18,160
$72,640
7.18%
None
$20,884
620*
ITIN, 15% down (example)
$696
$13,620
$77,180
8.18%
None
$16,344
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 Zephyrhills West is $1,127 a month: 25% below the county. In Zephyrhills West, 57% 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 Zephyrhills West
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Zephyrhills West has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,390 in 33542 to $1,560 in 33541.
None is above the fair market rent for Pasco County ($1,917).
Fair market rent by ZIP code and size in Zephyrhills West, fiscal year 2027.
33541
$1,300
$1,340
$1,560
$1,990
$2,420
33542
$1,160
$1,190
$1,390
$1,780
$2,160
ZIP code2 bd3 bd
33541 $1,560$1,990
33542 $1,390$1,780
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Zephyrhills West 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 Zephyrhills West or Pasco County. The ones below are statewide in Florida: they work in Zephyrhills West 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 Zephyrhills West, 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 · 18 miles away · Spanish
No legal help resource on our list is for Zephyrhills West 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 Zephyrhills West 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 Zephyrhills West?
The typical home value in Zephyrhills West is $90,800, 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 Zephyrhills West?
Typical rent in Zephyrhills West is $1,127 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 Zephyrhills West?
Zephyrhills West 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 Zephyrhills West?
The typical homeowner in Zephyrhills West pays $993 a year, according to the U.S. Census Bureau. That is 1.09% of the home’s value; in Pasco County, the rate is 0.73%.
Where can I find free help to buy or rent in Zephyrhills West?
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.
