Ruskin, Florida.
Typical home $309,768 (-3.0% in a year), asking rent $2,221 (+2.2%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$841 (+107%) since Jan 2020.
- 1 year
- Down $9,595 -3%
- $319,363$309,768 since Sep 2025
- 5 years
- Up $28,806 +10%
- $280,962$309,768 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Ruskin$1,626
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 36 years.
Typical home values in Ruskin, FL fell 3.0% over the past year — slower than the nation's +1.2%.
Asking rents in Ruskin, FL rose 2.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Ruskin runs $55/mo less than renting one. The gap peaked at $574 in Oct 2022.
That is $2,167 a month against $2,221 rent: a $1,626 mortgage payment, plus $209 property tax and $332 insurance & upkeep.
Owning vs renting — Ruskin
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,167
- Renting$2,221
- Mortgage only$1,626
Property tax · $209/mo 0.81% of value a year — the ACS 2020-2024 median bill over the median home value for Hillsborough County, FL
Insurance & upkeep · $332/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Ruskin, Hillsborough County, Florida
Ruskin, in Hillsborough County, had 28,620 people in the 2020 census. Half its households earn more than $79,235 a year and half less, against $79,540 across Hillsborough County; 11% of its people live below the poverty line. 75% of its homes are lived in by their owners and 25% are rented. Unemployment in Hillsborough County was 4.6% in August 2026, and the county had 0.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Ruskin is a community on the south side of Hillsborough County, with a population younger than much of the country and homes that are mostly lived in by their owners. Household incomes are close to the county's, and a typical home is valued somewhat above what many older homeowners elsewhere might expect. Winters are mild, with the coldest month still pleasantly cool in the daytime, and summers are hot, with plenty of rain through the year.
Work. Residents work mainly in schools, hospitals and social care, in professional and business services, in shops, and in banks, insurance and property. Some of the largest workplaces in Ruskin are Amazon, Publix Super Markets and Tampa Electric Company. Commutes are long, and a fair number of people work from home.
Things to do. The Little Manatee River runs in or beside town, and Little Manatee River State Park, a protected area, is a short drive away. Farther afield, a longer drive brings you to Busch Gardens Tampa, a zoo and theme park, and to the Salvador Dalí Museum, an art museum.
Report a mistake
- 10,197households
- 22%of adults have a degree
- 11%below the poverty line
- 36 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Hillsborough County had 795,729 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 72° and lows near 51°; warmest in August, with highs near 91° and lows near 74°. About 54 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Tampa Bay Area Weather Office weather station, a mile away (NOAA).
Largest workplaces in Ruskin
- AmazonGeneral warehousing and storage3,152
- B & M PrecisionInstruments, mechanical microsurgical, manufacturing345
- Publix Super MarketsSupermarkets and other grocery stores227
- SizemoreJanitorial services78
- BrightviewLandscaping services75
- Tampa Electric CompanyUtility line, construction44
- RollinsExterminating and pest control services43
- Holiday Inn Express RuskinHotels33
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 4,018 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesRelatively high
- TornadoesRelatively high
- Cold wavesRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ruskin’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Hillsborough County and the Tampa-St. Petersburg-Clearwater, FL metro.
Ruskin home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ruskin$309,768
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Ruskin listings, and the typical home goes pending in 50 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Ruskin27.54%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ruskin50
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ruskin271
New listings per month
Sellers arriving at the market.
- Ruskin52
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ruskin$298,208
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ruskin97.28%
Zip codes with a Ruskin address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ruskin — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.