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Zephyrhills city, FL

ZIP 33542 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33542

Median Home Value
$129,900
Median Rent
$842
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$834/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33542 in Zephyrhills city, FL, a household would need roughly $36,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $834. That sits below the local median household income ($49,011), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.8%+7% vs US avg
x
Vacancy Rate
23.4%+127% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
22.3%-55% vs US avg
x
Mortgage-Free
65.0%+70% vs US avg
x
$129,900
Home Value
$842
Rent
1981
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached35.3%
  • 1-unit attached3.8%
  • 2-9 units5.9%
  • 10+ units4.8%
  • Mobile home & other50.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$129,900
Median rent$842
Owner-occupied69.8%
Vacant23.4%
Price-to-income2.7x
Est. income to buy$36,000