Moving to Lutz, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Lutz, Florida over the last 12 months went for $430,000 (564 closings across 235 communities in Momentum’s MLS record), about $234 per square foot for a median 2,171-sq-ft home built around 1999. Homes currently listed have been on the market a median of 27 days, and with 187 active listings against that sales pace the city is carrying roughly 4.0 months of supply. Sellers have been getting about 96% of their original asking price. That median is 8% above the median across Momentum’s Florida and Georgia coverage.
Lutz right now — September 2026
Live pages for your move: 251 homes for sale in Lutz · Luxury homes · Condos (10) · Townhomes (38) · Homes by ZIP (4 ZIPs) · New listings this week · Price reductions · What your budget buys in Hillsborough County · Cost of living · Best neighborhoods · Property tax · Hillsborough County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 27, 2026.
What your budget buys in Lutz
Three price points from 513 recent Lutz closings in our record, each showing what actually closed within 10% of that price:
- Around $346,500: the typical sale in this band was a 3-bed, 2-bath home of about 1,584 sq ft, built around 1999 (83 sales).
- Around $430,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,929 sq ft, built around 1998 (69 sales).
- Around $726,000: the typical sale in this band was a 4-bed, 3-bath home of about 2,871 sq ft, built around 2000 (45 sales).
The real monthly cost of owning in Lutz
Take the median $430,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $2,296/month. Hillsborough County’s typical total millage is 15.73 mills, so after the $50,000 homestead exemption the property tax is roughly $5,977/year ($498/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Hillsborough County is about $1,816/year; private-market quotes vary with roof age and wind mitigation. 68% of current Lutz listings carry an HOA, with a median of $140/month where one applies. All in, budget on the order of $3,085/month to own the median Lutz home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Hillsborough County property tax guide and our home insurance by county map.
Where people are buying: Lutz’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Lane Road | 27 | $340,000 | 30 |
| Villarosa | 27 | $639,900 | 6 |
| Willow Bend | 23 | $525,000 | 18 |
| Oak Grove (Phases 4B to 5B) | 22 | $384,150 | 22 |
| VillaRosa | 22 | $667,450 | 11 |
| Cheval | 17 | $735,000 | 25 |
| Turtle Lakes | 17 | $380,000 | 10 |
| Carpenters Run | 16 | $322,500 | 8 |
Lutz by ZIP code
Sales and medians by ZIP over the same 12 months: 33558 (202 sales, median $530,000), 33549 (131 sales, median $430,000), 33559 (68 sales, median $422,500), 33548 (67 sales, median $775,000), 33541 (13 sales, median $319,990), 33613 (11 sales, median $2,575,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 80% were single-family homes, 11% townhomes or villas, and 6% condos. New construction accounted for 10% of closings, led by Lane Road, Timbergrove, Timbergrove Twnhms, Timbergrove Townhomes. The housing stock skews mixed: 28% of homes sold were built in 2015 or later and 11% before 1980.
Getting around from Lutz
Measured from the center of Lutz’s recent sales: Tampa International Airport (TPA) is about 13 miles; Downtown Tampa is about 14 miles; Lakeland is about 33 miles; Sarasota is about 57 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Hillsborough County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Hillsborough County’s typical millage of 15.73; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Hillsborough County average of $1,816/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Lutz: the case for and against
What works in Lutz’s favor
- homes move quickly (median 27 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,816/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- only about 4.0 months of supply, so choice is limited in the most popular price bands
- 68% of listings carry an HOA (median $140/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Lutz relocation toolkit
- Homes for sale in Lutz right now
- Cost of living in Lutz
- Best neighborhoods in Lutz
- Find an agent in Lutz
- Lutz ZIP codes with prices
- Search every Lutz community
Common questions about moving to Lutz
How much does a house cost in Lutz, FL?
What does it cost per month to own a home in Lutz?
What are property taxes like in Lutz?
Is Lutz a buyer's or seller's market right now?
Is there a lot of new construction in Lutz?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Lutz communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Hillsborough County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.