Valrico, Florida.
Typical home $413,453 (-1.5% in a year), asking rent $2,536 (+3.0%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$1,183 (+120%) since Jan 2020.
- 1 year
- Down $6,301 -2%
- $419,753$413,453 since Sep 2025
- 5 years
- Up $61,768 +18%
- $351,685$413,453 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.
- Valrico$2,170
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Valrico, FL fell 1.5% over the past year — slower than the nation's +1.2%.
Asking rents in Valrico, FL rose 3.0% over the past year — faster than the nation's +2.7%.
Owning the typical home in Valrico runs $356/mo more than renting one. The gap peaked at $860 in Oct 2023.
That is $2,892 a month against $2,536 rent: a $2,170 mortgage payment, plus $279 property tax and $443 insurance & upkeep.
Owning vs renting — Valrico
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$2,892
- Renting$2,536
- Mortgage only$2,170
Property tax · $279/mo 0.81% of value a year — the ACS 2020-2024 median bill over the median home value for Hillsborough County, FL
Insurance & upkeep · $443/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 Valrico, Hillsborough County, Florida
Valrico, in Hillsborough County, had 37,895 people in the 2020 census. Half its households earn more than $104,839 a year and half less, against $79,540 across Hillsborough County; 10% of its people live below the poverty line. 79% of its homes are lived in by their owners and 21% 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. Valrico is a suburban community in Hillsborough County where most homes are lived in by their owners. Incomes run well above the county's, and the poverty rate is fairly low. Residents tend to be older than in many places, and a good share of adults hold a four-year degree. Winters are mild, summers are hot, and rain falls steadily through the year, with little or no snow.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, shops, and banks, insurance and property. Many have a long drive to work, though a fair number work from home. Within Valrico itself, the largest workplaces include Publix Super Markets, Winn-Dixie and a Wawa convenience store. Unemployment across Hillsborough County is a little higher than a year ago, while the number of jobs has edged up.
Things to do. The MidFlorida Credit Union Amphitheatre, a theatre venue, is a short drive away. A longer drive brings you to Busch Gardens Tampa, a zoo and amusement park, and to Alafia River State Park, a protected area for time outdoors. The Salvador Dalí Museum is also a longer drive away for an afternoon indoors.
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- 14,437households
- 38%of adults have a degree
- 10%below the poverty line
- 32 mintypical commute
- 24%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, 9 miles away (NOAA).
Largest workplaces in Valrico
- Publix Super MarketsSupermarkets and other grocery stores207
- Winn-Dixie Stores, Inc.Supermarket61
- Wawa SiteConvenience store33
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 301 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
- Inland floodingRelatively high
- Lightningrelatively high in parts of ValricoRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Valrico’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.
Valrico home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Valrico$413,453
- 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 3 Valrico listings, and the typical home goes pending in 23 days — the market is heating up.
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.
- Valrico35.41%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Valrico23
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Valrico285
New listings per month
Sellers arriving at the market.
- Valrico84
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Valrico$403,432
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Valrico98.14%
Zip codes with a Valrico address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Valrico — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Valrico
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 33594 | Valrico | 37,361 | $2,398 | $365,991 |
| 33596 | Valrico | 27,757 | $2,796 | $456,593 |