Living in Zephyrhills, Florida: The 2026 Data Guide
Zephyrhills is in Pasco County, Florida (ZIP codes 33541, 33542, 33540, 33539). · Homes for sale in Zephyrhills · Pasco County
As of 2026-10-20, the median home sold in Zephyrhills, Florida over the last 12 months went for $258,000 (1,099 closings across 237 communities in Momentum’s MLS record), about $169 per square foot for a median 1,444-sq-ft home built around 1989. Homes currently listed have been on the market a median of 52 days, and with 387 active listings against that sales pace the city is carrying roughly 4.2 months of supply. Sellers have been getting about 95% of their original asking price. That median is 36% below the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Zephyrhills
Three price points from 631 recent Zephyrhills closings in our record, each showing what actually closed within 10% of that price:
- Around $130,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,029 sq ft, built around 1983 (70 sales).
- Around $258,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,428 sq ft, built around 1996 (76 sales).
- Around $322,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,744 sq ft, built around 2019 (113 sales).
The real monthly cost of owning in Zephyrhills
Take the median $258,000 home with 20% down at today’s 7.40% 30-year rate: principal and interest run about $1,429/month. Pasco County’s typical total millage is 16.15 mills, so after the $50,000 homestead exemption the property tax is roughly $3,360/year ($280/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 Pasco County is about $1,659/year; private-market quotes vary with roof age and wind mitigation. 71% of current Zephyrhills listings carry an HOA, with a median of $70/month where one applies. All in, budget on the order of $1,917/month to own the median Zephyrhills 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 Pasco County property tax guide and our home insurance by county map.
Where people are buying: Zephyrhills’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 |
|---|---|---|---|
| Zephyrhills Colony Company | 100 | $258,500 | 31 |
| Cobblestone | 64 | $400,000 | 34 |
| Zephyr Lakes | 52 | $334,990 | 50 |
| Zephyrhills | 39 | $219,900 | 36 |
| Betmar Acres | 37 | $106,900 | 84 |
| Shortgrass at Two Rivers | 35 | $705,000 | 136 |
| Lake Betmar Estates | 32 | $155,500 | 31 |
| Stonebridge North | 28 | $366,580 | 32 |
Zephyrhills by ZIP code
Sales and medians by ZIP over the same 12 months: 33541 (301 sales, median $252,000), 33542 (237 sales, median $185,000), 33540 (81 sales, median $287,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 49% were single-family homes, 6% townhomes or villas, and 4% condos. New construction accounted for 35% of closings, led by Cobblestone, Zephyr Lakes, Shortgrass at Two Rivers, Stonebridge North, Lane Road Sub. The housing stock skews mixed: 26% of homes sold were built in 2015 or later and 27% before 1980.
Getting around from Zephyrhills
Measured from the center of Zephyrhills’s recent sales: Lakeland is about 20 miles; Downtown Tampa is about 25 miles; Tampa International Airport (TPA) is about 27 miles; Downtown Orlando is about 54 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 Pasco 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 Pasco County’s typical millage of 16.15; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Pasco County average of $1,659/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Zephyrhills: the case for and against
What works in Zephyrhills’s favor
- prices run 36% below the statewide median in our coverage
- 35% of sales are new construction, so builder incentives and warranties are part of the market
- insurance is comparatively manageable here (Citizens average $1,659/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- 71% of listings carry an HOA (median $70/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Zephyrhills relocation toolkit
- Homes for sale in Zephyrhills right now
- Cost of living in Zephyrhills
- Best neighborhoods in Zephyrhills
- New construction in Zephyrhills
- Find an agent in Zephyrhills
- Zephyrhills ZIP codes with prices
- Search every Zephyrhills community
Common questions about moving to Zephyrhills
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<a href="https://movewithmomentum.com/moving-to-zephyrhills">Living in Zephyrhills, FL (2026): Home Prices, Cost to Own, Neighborhoods & Taxes — Momentum Realty</a>Sales figures are Momentum Realty’s MLS record of closings in Zephyrhills 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 Pasco County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.