Living in Zephyrhills, Florida: The 2026 Data Guide

By Jon Brooks, Co-Founder, Momentum Realty · Updated October 2, 2026

As of 2026-10-02, the median home sold in Zephyrhills, Florida over the last 12 months went for $258,000 (1,098 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 394 active listings against that sales pace the city is carrying roughly 4.3 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.

$258,000

Median sale (12 mo)

$169

Price per sq ft

$1,897

Est. monthly cost to own

52 days

Days listed (median)

4.3

Months of supply

35%

New construction share

Zephyrhills right now — October 2026

$345,000

Median sale price (12 mo), -1.2% YoY

312

Homes for sale today

59 days

Median days on market

4.6 mo

Months of supply

$1,827

P&I on the median, 20% down at 6.95%

Live pages for your move: 633 homes for sale in Zephyrhills · Luxury homes · New construction · Condos (18) · Townhomes (26) · Homes by ZIP (3 ZIPs) · New listings this week · Price reductions · What your budget buys in Pasco County · Cost of living · Best neighborhoods · Property tax · Flood zones by neighborhood · Pasco County homes for sale.

MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated October 2, 2026.

What your budget buys in Zephyrhills

Three price points from 641 recent Zephyrhills closings in our record, each showing what actually closed within 10% of that price:

Around $135,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,048 sq ft, built around 1983 (69 sales).
Around $258,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,427 sq ft, built around 1995 (77 sales).
Around $325,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,734 sq ft, built around 2019 (114 sales).

The real monthly cost of owning in Zephyrhills

Take the median $258,000 home with 20% down at today’s 7.28% 30-year rate: principal and interest run about $1,412/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. 69% of current Zephyrhills listings carry an HOA, with a median of $67/month where one applies. All in, budget on the order of $1,897/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
Riverwood Estates Phase 1A	58	$452,905	78
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

Zephyrhills by ZIP code

Sales and medians by ZIP over the same 12 months: 33541 (307 sales, median $262,000), 33542 (235 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, 50% were single-family homes, 6% townhomes or villas, and 4% condos. New construction accounted for 35% of closings, led by Cobblestone, Riverwood Estates Phase 1A, Zephyr Lakes, Shortgrass at Two Rivers, Stonebridge North. The housing stock skews mixed: 25% 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

69% of listings carry an HOA (median $67/month)
property taxes reset to your purchase price, so never budget off the seller’s bill

Your Zephyrhills relocation toolkit

Common questions about moving to Zephyrhills

How much does a house cost in Zephyrhills, FL?

The median sale over the last 12 months was $258,000 (1,098 closings), about $169 per square foot. Among recent closings in our record a quarter sold under $135,000 and a quarter over $325,000.

What does it cost per month to own a home in Zephyrhills?

For the median $258,000 home with 20% down at 7.28%, roughly $1,897 per month including principal, interest, Pasco County property tax after the homestead exemption, insurance, and a typical HOA.

What are property taxes like in Zephyrhills?

Pasco County's typical total millage is 16.15 mills. On the median home that is about $3,360 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is Zephyrhills a buyer's or seller's market right now?

With about 4.3 months of supply and a median 52 days on market for current listings, conditions are roughly balanced.

Is there a lot of new construction in Zephyrhills?

New construction was 35% of sales in the last 12 months, concentrated in Cobblestone, Riverwood Estates Phase 1A, Zephyr Lakes, Shortgrass at Two Rivers, Stonebridge North.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

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.