Seffner, Florida.
Typical home $351,494 (-0.4% in a year), asking rent $2,197 (+2.0%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$1,042 (+130%) since Jan 2020.
- 1 year
- Down $1,358 -0%
- $352,852$351,494 since Sep 2025
- 5 years
- Up $67,136 +24%
- $284,358$351,494 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.
- Seffner$1,845
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Seffner, FL fell 0.4% over the past year — slower than the nation's +1.2%.
Asking rents in Seffner, FL rose 2.0% over the past year — slower than the nation's +2.7%.
Owning the typical home in Seffner runs $261/mo more than renting one. The gap peaked at $606 in Oct 2023.
That is $2,459 a month against $2,197 rent: a $1,845 mortgage payment, plus $237 property tax and $376 insurance & upkeep.
Owning vs renting — Seffner
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$2,459
- Renting$2,197
- Mortgage only$1,845
Property tax · $237/mo 0.81% of value a year — the ACS 2020-2024 median bill over the median home value for Hillsborough County, FL
Insurance & upkeep · $376/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 Seffner, Hillsborough County, Florida
Seffner, in Hillsborough County, had 8,362 people in the 2020 census. Half its households earn more than $93,333 a year and half less, against $79,540 across Hillsborough County; 12% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% 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 professional services, then shops.
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. Seffner is a small community in Hillsborough County where nearly all homes are lived in by their owners, a much higher share than is usual across the country. Household incomes run above the county's, though a fair number of residents still live below the poverty line. Homes and rents are on the pricey side, and residents are of middle age, on the whole. Winters are mild, with little or no snow, and summers are hot, with plenty of rain through the year.
Work. Residents work mostly in professional and business services, in shops, in schools, hospitals and social care, and in manufacturing. Across Hillsborough County, some of the largest workplaces are Busch Gardens, Hillsborough Schools and the University of South Florida. A good number of residents work from home, and the usual commute is a moderate one. Unemployment across the county has edged up a little from a year earlier, while the number of jobs has grown slightly.
Things to do. Hillsborough River State Park, a protected area of river and woodland, is a short drive away. Busch Gardens Tampa, a zoo and theme park with well-known roller coasters, is also a short drive away, as is the Museum of Science & Innovation. For a museum with a famous name, the Salvador Dalí Museum is a longer drive.
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- 3,036households
- 32%of adults have a degree
- 12%below the poverty line
- 25 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 75° and lows near 50°; warmest in July, with highs near 94° and lows near 73°. About 56 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Plant City weather station, 8 miles away (NOAA).
Largest employers in Hillsborough County
- Publix47,166
- Baycare Health System33,631
- Hillsborough County School District23,000
- HCA West Florida Division21,000
- MacDill Air Force Base16,800
- University of South Florida16,280
- Tampa General Hospital12,409
- AdventHealth West Florida Division12,000
From Hillsborough County’s annual financial report for 2025, its schedule of principal employers (its source: “Hillsborough County City-County Planning Commission (Book of Lists)”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- WildfireRelatively moderate
- LightningRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Seffner’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.
Seffner home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Seffner$351,494
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 3 Seffner listings, and the typical home goes pending in 32 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.
- Seffner36.62%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Seffner32
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Seffner111
New listings per month
Sellers arriving at the market.
- Seffner27
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Seffner$378,872
- United States$371,407
Zip codes with a Seffner address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Seffner — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.