55+ Communities in Pasco County, FL

Looking for 55+ communities in Pasco County, FL? Momentum Realty tracks 8 Pasco County communities with evidence of active-adult living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

A note on age-restricted housing: 55+ communities are lawful under the federal Housing for Older Persons Act. Age-qualification rules differ by community and can change; verify current rules directly with each association. Momentum Realty serves all buyers and sellers in accordance with the Fair Housing Act.

Pasco County 55+ communities at a glance

Communities tracked

$150,000

Median sale price

35 days

Median days on market

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Ponderosa Park · agent	Hudson	$145,000	–	84 d
Zephyr Estates · agent	Zephyrhills	$104,000	–	19 d
South Hill Mobile Home Park · agent	Zephyrhills	$155,000	–	1 d
Del Webb River Reserve · agent	New Port Richey	$536,000	–	–
Mirada Active Adult	San Antonio	–	–	–
Del Webb Bexley	Land O' Lakes	–	–	–
Del Webb Bexley	Land O' Lakes	–	–	–
Explore by Del Webb Verona	Land O' Lakes	–	–	–

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

How 55+ communities work under federal law

Age-restricted communities operate under the federal Housing for Older Persons Act (HOPA), which requires that at least 80% of occupied units have at least one resident aged 55 or older, along with published policies demonstrating intent. Rules vary by community: some allow younger spouses or residents, some do not. Always verify the current age-qualification rules directly with the association before you offer — designations can and do change.

Fees, amenities and resale in active-adult communities

Active-adult communities concentrate amenities — clubhouses, pools, pickleball, organized activities — and fund them through dues that deserve line-item review. On resale, your buyer pool is age-qualified by definition, which changes marketing time; ask a local agent for days-on-market comps inside the specific community rather than the surrounding zip code.

What it costs to own here

At Pasco County’s typical combined millage of 16.15 mills, a purchase at $150,000 (the median across these 55+ communities) generates roughly $2,423 a year in property tax before exemptions — about $202 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Pasco County average about $1,659 a year ($138 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Pasco County near $1,989 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Pasco County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Pasco County right now

In the most recent IRS migration data (2022-2023), Pasco County gained a net 18,430 people to relocation, with the largest inbound flows from NY, NJ, IL. Households moving IN reported average incomes of $76,486 versus $62,180 for those leaving — the income mix of demand, straight from tax filings. Population is up about 15.3% over the recent multi-year window. On the supply side, builders pulled 7,878 residential permits in Pasco County in 2025 (6,191 single-family), up 16.5% year over year — against 8,905 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 0.0% versus its income-and-rent fundamentals.

The Pasco County market, in context

Pasco County is Tampa Bay's fast-growing northern frontier — Wesley Chapel's master-planned boom, crystal-lagoon communities, and relative affordability draw families and commuters spilling out of Hillsborough and Pinellas. It is one of the fastest-growing counties in the region.

The economy behind the market: {'drivers': 'healthcare, retail, distribution, professional services, and construction', 'summary': "Pasco's economy is increasingly tied to Tampa Bay's — many residents commute to Hillsborough and Pinellas jobs — while local anchors include AdventHealth and BayCare hospitals, a growing medical-and-office cluster in Wesley Chapel, and distribution and manufacturing (Mettler-Toledo, Pall) along the corridor.", 'employers': ['Pasco County Schools', 'AdventHealth (Wesley Chapel/Zephyrhills)', 'BayCare', 'Pasco County government', 'Mettler-Toledo', 'Raymond James (back office)', 'distribution and logistics employers'], 'jobNote': 'Wesley Chapel is among the fastest-growing communities in Tampa Bay, growing well above state and national averages.'}

What could change it: Pasco's risks are inland and coastal in different parts: sinkhole-prone geology and lake flooding inland, storm surge along the older west-side coast (New Port Richey), and the strain of explosive Wesley Chapel growth on roads and schools. Insurance is rising but generally below the immediate coast.

Near-term outlook: Expect Pasco to stay one of Tampa Bay's faster-growing counties over the next 12 months, with affordability and new amenities pulling steady demand and a large construction pipeline keeping price growth measured and buyers in a strong position.

Run the numbers in Pasco County

Explore more Florida communities

Common questions

How many 55+ communities does Pasco County, FL have?

Momentum Realty currently tracks 8 communities in Pasco County with evidence of active-adult living in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in Pasco County 55+ communities cost?

The median sale price across tracked 55+ communities in Pasco County is about $150,000, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the 55+ communities?

A community appears here when we find an age-restricted or active-adult designation reported in MLS or community records, or a nationally known active-adult brand. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves Pasco County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Pasco County?

Citizens Property Insurance policies in Pasco County average about $1,659 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Pasco County?

Typical combined millage in Pasco County is about 16.15 mills - roughly 1.62% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.