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Lutz CDP, FL

ZIP 33559 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33559

Median Home Value
$343,700
Median Rent
$1,352
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,208/mo PITI).

21%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.2 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 33559 in Lutz CDP, FL, a household would need roughly $95,000 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 $2,208. That is about 21% above the local median household income ($78,264), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.1%-7% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
27.1%-29% vs US avg
x
$343,700
Home Value
$1,352
Rent
1994
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached62.3%
  • 1-unit attached5.1%
  • 2-9 units10.3%
  • 10+ units19.3%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$343,700
Median rent$1,352
Owner-occupied61.1%
Vacant3.9%
Price-to-income4.4x
Est. income to buy$95,000