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City · 19,668 residents · Pasco County, Florida

Zephyrhills , Florida

In Zephyrhills, a typical home is worth $224,700 and typical rent is $1,148 a month. Compared with all of Pasco County, typical household income is 26% lower, the typical home value is 25% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $224,700

    25% below the county

    37% below Florida

    • Zephyrhills
    • Pasco
    • Florida

  • Typical rent

    $1,148a month

    24% below the county

    31% below Florida

    • Zephyrhills
    • Pasco
    • Florida

  • Typical household income

    $52,108a year

    26% below the county

    30% below Florida

    • Zephyrhills
    • Pasco
    • Florida

  • Households that own their home

    70%

    6 points below the county

    3 points above Florida

    • Zephyrhills
    • Pasco
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$303,004
2.2% less than 12 months ago
Typical rent
$1,777 a month
about the same as 12 months ago

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

Zephyrhills 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 Zephyrhills apart

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: 78% less than in Zephyrhills ($224,700).

  2. The typical household income in Zephyrhills is $52,108, 26% less than in Pasco County as a whole ($70,492).

  3. The typical home in Zephyrhills is worth $224,700, 25% less than in Pasco County as a whole ($300,900).

  4. Nearby, in Zephyrhills South, the typical rent is $926: 19% less than in Zephyrhills ($1,148).

  5. The typical rent in Zephyrhills is $1,148 a month, 24% less than in Pasco County as a whole ($1,505).

  6. 70% of households in Zephyrhills own their home, against 76% in Pasco County.

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

The homes here

Housing in Zephyrhills

What homes there are in Zephyrhills, 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

Homes in Zephyrhills are varied: detached houses are the largest group, at 48%, against 64% in Pasco County.

There are more mobile homes here than in Pasco County: 27% of homes, against 17%.

Year built

By age, homes in Zephyrhills look like those in Pasco County: the typical year built is 1990.

There are fewer big homes in Zephyrhills than in Pasco County: 38% have 3 bedrooms or more, against 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

The FHA limit for Pasco County is high ($541,287): at least 98% of owner-occupied homes in Zephyrhills are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,479 a month

Pasco County: $1,817 a month

Without a mortgage

$470 a month

Pasco County: $536 a month

Owners with a mortgage

49%

Pasco County: 57%

In Zephyrhills, 49% of owners have a mortgage, and their typical cost is $1,479 a month, against $1,817 in Pasco County. Without one it drops to $470.

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

Since 2015–2019, homes in Zephyrhills gained value faster than in Pasco County: 127% against 86%.

The typical rent in Zephyrhills rose 38% over the same time; in Pasco County, it rose 42%.

While home values in Zephyrhills changed +127% and rent +38%, the typical household income rose 44%.

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

MeasureZephyrhillsPasco 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 2.1%2.0%3.3%3.4%
People per household 2.292.562.512.53
Drive alone 74%68%70%69%
Carpool 9%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 16%20%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Pasco County, 2.1% of households in Zephyrhills have more than one person per room.

Fewer people live in each home here: 2.29 on average, against 2.56 in Pasco County.

To get to work, 74% of workers in Zephyrhills drive alone; in Pasco County, 68%.

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 Zephyrhills?

A typical home costs more than the typical income allows

We start with a typical home in Zephyrhills, worth $224,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Zephyrhills, which is $52,108 a year. For that payment to be 28% of income, a household would need to earn about $77,463 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 Zephyrhills. 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 $7,865 (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

$1,808

at 7.18% · 30 years

Loan amount
$220,630
Total interest
$317,434
Paid off in
November 2056

Includes $3,795 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,216 a month

  • Tight

    $1,216 to $1,563 a month

  • Hard

    more than $1,563 a month

    Your payment · 42%

Compared with the typical household income in Zephyrhills ($52,108 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,808
Principal & interest$1,495
Property tax$120
Home insurance$94
FHA mortgage insurance (MIP)$99

You need at least $7,865 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

Zephyrhills and Pasco County

Zephyrhills 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's own numbers

Typical home value
$224,700
Typical monthly rent
$1,148
Typical yearly household income
$52,108
Households that own their home
70%
Effective property tax rate
0.64%

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 Zephyrhills

A typical home in Zephyrhills is worth $224,700: 25% below the county and 37% below Florida. With the typical household income in Zephyrhills ($52,108 a year), a typical home costs 4.3 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 4.3 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

Zephyrhills 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 $224,700
  • Pasco $300,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Zephyrhills $1,148
  • Pasco $1,505
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Zephyrhills $52,108
  • Pasco $70,492
  • Florida $74,568
  • United States $80,734
See the full table
Zephyrhills next to Pasco County and Florida
Measure Zephyrhills Pasco County Florida U.S.
Typical home value $224,700 $300,900 $359,000 $332,700
Typical monthly rent $1,148 $1,505 $1,669 $1,413
Typical yearly household income $52,108 $70,492 $74,568 $80,734
Households that own their home 70% 76% 68% 65%
Typical yearly property tax $1,441 $2,206 $2,730 $3,119
Effective property tax rate 0.64% 0.73% 0.76% 0.94%
Renters with high rent for their income 53% 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

For a typical $224,700 home in Zephyrhills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Zephyrhills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,807a month

    Least cash to close
    Down payment
    $7,865
    Cash to close
    $14,606
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $99

  • Conventional, 5% down $1,766a month

    Down payment
    $11,235
    Cash to close
    $17,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $107

  • Conventional, 20% down, no PMI $1,431a month

    Down payment
    $44,940
    Cash to close
    $51,681
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,639a month

    Down payment
    $33,705
    Cash to close
    $40,446
    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 Zephyrhills and for Pasco County.

Property tax

Effective rate in Zephyrhills

0.64%of the home’s value each year

$1,441 a year for the typical owner in Zephyrhills.

  • Zephyrhills 0.64%
  • 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 Zephyrhills

Typical rent in Zephyrhills is $1,148 a month: 24% below the county. In Zephyrhills, 53% 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 Zephyrhills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Zephyrhills has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,230 in 33540 to $1,560 in 33541.

None is above the fair market rent for Pasco County ($1,917).

  • 33540 $1,230$1,570
  • 33541 $1,560$1,990
  • 33542 $1,390$1,780

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Zephyrhills 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 Zephyrhills

HUD lists 8 buildings with rents for lower incomes in Zephyrhills. These are the largest.

  • Grand Reserve at Zephyrhills 38422 Valley Oaks Cir, Zephyrhills 33540 160 low-income homes · 1 bd: 80 · 2 bd: 80 · In service since 2011 · For older adults
  • Fort King Colony 6900 Aqua Vista Dr, Zephyrhills 33542 120 low-income homes · 2 bd: 104 · 3 bd: 52 · In service since 2011 · For families
  • Summerset 6635 Fort King Rd, Zephyrhills 33542 96 low-income homes · 1 bd: 16 · 2 bd: 60 · 3 bd: 20 · In service since 2016
  • Evergreen Village 38415 Evergreen Village Dr, Zephyrhills 33542 51 homes, 50 low-income · For older adults (813) 782-2740
  • Village Chase of Zephyrhills 39216 Village Chase, Zephyrhills 33542 47 low-income homes

See all 42 buildings in Pasco County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Zephyrhills

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Zephyrhills

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Zephyrhills

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

  • Housing and Neighborhood Development Services of Central Florida, Inc.

    825 E Main St, Lakeland · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (863) 682-1025

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 20 miles away · Spanish

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

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 22 miles away · Spanish

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

All counseling agencies in Florida

Help in Spanish near Zephyrhills

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 Zephyrhills

HUD’s record names them for Zephyrhills 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 Zephyrhills, 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 Zephyrhills.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Zephyrhills

Short answers with the numbers for Zephyrhills 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?

The typical home value in Zephyrhills is $224,700, 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 Zephyrhills?

Typical rent in Zephyrhills is $1,148 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?

Zephyrhills 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?

The typical homeowner in Zephyrhills pays $1,441 a year, according to the U.S. Census Bureau. That is 0.64% 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?

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).