Zephyrhills, Florida.
Typical home $303,004 (-2.2% in a year), asking rent $1,777 (+0.2%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$858 (+117%) since Jan 2020.
- 1 year
- Down $6,863 -2%
- $309,867$303,004 since Sep 2025
- 5 years
- Up $43,279 +17%
- $259,725$303,004 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.
- Zephyrhills$1,590
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Zephyrhills, FL fell 2.2% over the past year — slower than the nation's +1.2%.
Asking rents in Zephyrhills, FL rose 0.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Zephyrhills runs $323/mo more than renting one. The gap peaked at $617 in Oct 2023.
That is $2,100 a month against $1,777 rent: a $1,590 mortgage payment, plus $185 property tax and $324 insurance & upkeep.
Owning vs renting — Zephyrhills
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$2,100
- Renting$1,777
- Mortgage only$1,590
Property tax · $185/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for Pasco County, FL
Insurance & upkeep · $324/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 Zephyrhills, Pasco County, Florida
Zephyrhills is a city of 17,194 people in Pasco County. Half its households earn more than $52,108 a year and half less, against $70,492 across Pasco County; 13% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Pasco County was 5.0% in August 2026, and the county had 3.6% more jobs in 2025 than the year before. The most residents work in schools and health care, 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. Zephyrhills is a small city in Pasco County where the typical resident is older than in most American towns, and most homes are lived in by their owners. Incomes run well below the county's, and a good share of households live below the poverty line. Winters are mild, with little or no snow, and summers are hot and rainy.
Work. Many residents work in schools, hospitals and social care, in shops, and in restaurants, hotels and entertainment. Among the largest workplaces in Zephyrhills are Walmart, the water bottler Primo Brands, and Solaris Healthcare Zephyrhills, a skilled nursing facility. Commutes are fairly long, and a fair number of people work from home.
Things to do. In town, the Zephyrhills Museum of Military History is a small museum close at hand. A short drive away are Colt Creek State Park, a protected area, and the Hillsborough River. Farther afield, a longer drive brings you to Busch Gardens Tampa, a zoo and theme park.
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- 8,374households
- 21%of adults have a degree
- 13%below the poverty line
- 32 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Pasco County had 150,334 jobs in 2025, 3.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 70° and lows near 49°; warmest in July, with highs near 90° and lows near 73°. About 53 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Saint Leo weather station, 8 miles away (NOAA).
Largest workplaces in Zephyrhills
- WalmartWarehouse clubs and supercenters468
- Primo BrandsNaturally carbonated water, purifying and bottling409
- Solaris Healthcare ZephyrhillsSkilled nursing facilities185
- Solaris Healthcare Lake ZephyrSkilled nursing facilities180
- Lowe's Companies, INCHomecenter150
- Citadel Care CentersSkilled nursing facilities149
- Morrow Steel ErectorsIron work, structural, contractors97
- Coastal an Oldcastle CompanyArchitectural block, concrete, manufacturing96
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 16 workplaces with 20 or more staff, 2,106 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
- Inland floodingrelatively high in parts of ZephyrhillsRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Zephyrhills’ 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 Pasco County and the Tampa-St. Petersburg-Clearwater, FL metro.
Zephyrhills home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Zephyrhills$303,004
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 3 Zephyrhills listings, and the typical home goes pending in 44 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.
- Zephyrhills30.42%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Zephyrhills44
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Zephyrhills354
New listings per month
Sellers arriving at the market.
- Zephyrhills74
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Zephyrhills$259,713
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Zephyrhills97.86%
Zip codes with a Zephyrhills address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Zephyrhills — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Zephyrhills
| 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 |
|---|---|---|---|---|
| 33541 | Zephyrhills | 24,654 | $1,878 | $337,428 |
| 33542 | Zephyrhills | 23,612 | $1,503 | $224,667 |
| 33540 | Zephyrhills | 11,390 | $2,295 | $328,195 |