Pasco County Homes for Sale

Tampa Bay · county seat Dade City · 588,758 residents

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.

3,643 homes for saleMedian $331KBuyer's Market3 neighborhoods
Live Market Pulse
65/100
Momentum
Buyer's Market
Buyer 7/10 · Seller 3/10 · Investor 6/10. Newer homes and big-amenity master plans (Epperson's lagoon, Bexley) at lower prices than Tampa proper, with real builder selection.
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Built fromZillow & Realtor.com datarealMLS listingsCensus & IRSUpdated monthly
LiveMarket PulseApril 2026
$331K
Median Value
-3.5%
1-Yr Price
66days
Avg DOM
24.6%
Price Cuts
Soft
Seller Leverage
$205/sf
Median $/Sqft
3,643
For Sale
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"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. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Pasco County neighborhood, which is what we price against live comps."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Pasco County snapshot (April 2026): typical home value $331K ($205/sqft), median rent $1,996, about 3,643 active listings, a median 66 days on market, and 24.6% of listings cutting price — a buyer's market. Values are -3.5% over the past year and +5.3% over five years.

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.

Entry
under $232K

Condos, townhomes, and starter homes — the lowest-cost way into Pasco County and its school zones.

Core
$232K–$431K

The heart of the market: established single-family homes and newer planned-community product.

Top
$431K+

Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.

Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.

Pasco County Market Scorecard

Buyer's Market

Pasco County is a buyer's market: about 3,643 active listings, a median list price of $350,000, 24.6% of them cutting price, and homes going under contract in about 66 days.

$331K
Typical value
1,308
New / mo
$205
$/sqft
66
Days on mkt
24.6%
Cut price
$1,996
Median rent
Typical home value · last 13 months $331K

Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.

Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.

Should You Buy, Sell, or Invest Here?

7/10
Buyer

Newer homes and big-amenity master plans (Epperson's lagoon, Bexley) at lower prices than Tampa proper, with real builder selection.

3/10
Seller

Population growth keeps demand firm, but heavy new construction in Wesley Chapel means sharp pricing matters.

6/10
Investor

Strong rent demand from Tampa commuters and lower entry prices make Pasco an accessible Tampa Bay rental market.

Cash offer
~$298K
  • Close in as little as 7–14 days
  • No repairs, cleaning, or showings
  • No financing fall-through
  • Pick your move-out date
List with Momentum
~$331Ktypical value
  • Often nets more, even after commission
  • Sells 1.25% above MLS average, 8 days faster
  • Full marketing & negotiation
  • We front the prep with our concierge

Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Pasco County demand. Compare both at our Pasco County cash-offer page.

Schools in Pasco County

Pasco County Schools is growing fast alongside the population, with the strongest-demand schools in the Wesley Chapel and Land O' Lakes areas and several new schools added to keep pace.

  • Wiregrass Ranch High School (Wesley Chapel)
  • Cypress Creek High School
  • Sunlake High School (Land O' Lakes)
  • Wesley Chapel High School

Confirm the current assignment, especially in fast-growing Wesley Chapel where boundaries shift as new schools open. See school-zone guides →

Taxes, Insurance & Cost to Own

A median-priced Pasco County home costs about $2,418/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $67,384. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.

Typical property-tax millage16.154 mills (~1.62% before exemptions)
Avg. homeowners insurance$1,659/yr (Citizens county avg)
Homestead exemptionUp to $50,000 + 3% Save Our Homes cap
Est. all-in monthly (PITI)$2,418/mo on a $331K home
Income to buy median home$96,713/yr (est.)

At about $1,659 a year on average, Pasco is middle-of-the-pack for Florida — manageable, but very address-dependent near the water. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.

New Construction in Pasco County

Builders pulled 7,878 residential permits last year (+16.5% YoY) — 6,191 single-family and 1,687 multifamily, about 13.4 per 1,000 residents. Active master-planned communities include Epperson (Crystal Lagoon); Bexley; Mirada (Lagoon); Starkey Ranch; Connerton; Bexley. Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →

Population & Migration

Pasco County has about 588,758 residents. On a net domestic basis it gained roughly 18,430 people and a net +$967.18M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Domestic arrivals are led by NY, NJ, IL, CA. Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.

12-Month Forecast

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.

Wesley ChapelThe county's master-planned growth engine; lagoon communities, malls, and medical offices.
Land O' LakesEstablished, sought-after family suburb with top schools.
New Port RicheyOlder west-side coastal city; value and Gulf access.
ZephyrhillsEastern town known for spring water and a deep 55+ market.
Dade CityHistoric county seat with small-town charm.

Economy & Major Employers

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.

  • Pasco County Schools
  • AdventHealth (Wesley Chapel/Zephyrhills)
  • BayCare
  • Pasco County government
  • Mettler-Toledo
  • Raymond James (back office)
  • distribution and logistics employers

Wesley Chapel is among the fastest-growing communities in Tampa Bay, growing well above state and national averages.

A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Pasco County agent →

Master-plannedEpperson (Crystal Lagoon), Bexley, Mirada (Lagoon), Starkey Ranch, Connerton, Bexley
GolfLexington Oaks, Saddlebrook Resort (Wesley Chapel), Heritage Pines
WaterfrontGulf Harbors (New Port Richey), Lake Padgett
LuxuryStarkey Ranch, Lake Jovita, Quail Hollow
55+ / active adultDel Webb Bexley, Angeline (Metro Places, 55+ sections), Heritage Pines

Lifestyle in Pasco County

Pasco delivers Tampa Bay living at a discount: Epperson and Mirada's resort-style Crystal Lagoons, Starkey Ranch's trails and town center, Saddlebrook Resort golf, the spring-fed waters around Zephyrhills, and quick access to Tampa, the airport, and the Gulf beaches of Pinellas. It is family-and-amenity focused new-construction territory.

Risks to Weigh

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.

Wesley Chapel (3)

Pasco County Real Estate FAQ

What is the median home price in Pasco County?
The typical Pasco County home is worth about $331K as of April 2026 (Zillow ZHVI), -3.5% over the past year. The median list price is similar; individual neighborhoods range widely around that figure.
Is Pasco County a buyer's or seller's market?
As of April 2026, Pasco County is a buyer's market. Homes are taking a median of 66 days to sell, and inventory has rebuilt from its lows, giving buyers more room to negotiate than in recent years.
Is Pasco County expensive?
Pasco County's price-to-income ratio is about 4.9×, which is around the typical Florida county. The bigger cost surprises for newcomers are property insurance and, in newer communities, CDD fees — not the sticker price.
What is the average rent in Pasco County?
The median rent is about $1,996 a month (Zillow ZORI). Against the typical home value, that is a gross rental yield near 7.2%.
Are property taxes high in Pasco County?
The typical millage is about 16.154 mills, or roughly 1.62% of taxable value before exemptions. Florida's $50,000 homestead exemption and the Save Our Homes 3% assessment cap meaningfully lower the bill for owner-occupants.
How much is homeowners insurance in Pasco County?
The Citizens county-average premium is about $1,659 a year, but your actual cost depends heavily on the home's age, roof, construction, and flood zone. Wind-mitigation credits can lower it; flood insurance is priced separately by address.
Is Pasco County a good place to invest in real estate?
Strong rent demand from Tampa commuters and lower entry prices make Pasco an accessible Tampa Bay rental market.
Is Pasco County growing?
Pasco County has about 588,758 residents and is still drawing net in-migration of people and income. Migration and jobs are the forces most likely to support prices through the rate cycle.
How long do homes take to sell in Pasco County?
A median of about 66 days on market as of April 2026, longer than the 2021-2022 frenzy and a sign of today's more balanced conditions.
What are the best areas to live in Pasco County?
The county seat, Dade City, anchors the market, and the right area depends on whether you prioritize schools, commute, the water, or new construction. Our neighborhood guides map each on price, schools, and lifestyle.
What is the price per square foot in Pasco County?
Listings in Pasco County are priced around the area's median per-square-foot rate as of April 2026; smaller, older, and inland homes run below it, while new construction and waterfront run above. Per-square-foot is most useful within a single neighborhood, not across the whole county.
How much income do I need to buy a home in Pasco County?
As a rough rule, a buyer needs household income roughly in line with the county's price-to-income ratio of 4.9× the home price, keeping total housing costs near 30% of income. Median household income here is $67,384. A lender pre-approval gives you the exact figure for your situation.
Is now a good time to buy in Pasco County?
It depends on your horizon. For buyers planning to stay several years, today's buyer's market conditions — more inventory and routine price cuts — offer better terms than the 2021-2022 peak. For short-term flips, flat appreciation makes the math tight. The right answer is specific to the home and your timeline.
Do I need flood insurance in Pasco County?
It depends on the address. Homes in FEMA high-risk flood zones (A or V) typically require flood insurance with a federally backed mortgage, and even outside those zones it can be worth carrying in low-lying or coastal parts of Pasco County. Flood premiums are priced separately by address under FEMA Risk Rating 2.0, so always check the flood zone before you buy.
Is Pasco County a good place to retire?
Florida's lack of a state income tax and the homestead/Save Our Homes protections make Pasco County attractive for retirees on a fixed income, especially in its 55+ and lower-maintenance communities. Weigh that against insurance costs and proximity to healthcare when you choose a specific area.
How fast are home prices rising in Pasco County?
Over the past year, the typical Pasco County home value moved -3.5%. Over five years it is +5.3% and over ten years +7.4% — so the long-run trend is up even though near-term growth has cooled.
What is the cost of living in Pasco County?
Housing, insurance, and property tax are the main local cost drivers; Florida charges no state income tax. A median-priced home runs about $2,418 a month all-in (mortgage, tax, and insurance), against median household income of $67,384 a year. Utilities, transportation, and healthcare track close to state averages.
What are the risks of buying in Pasco County?
The main ones are hurricane and flood exposure (which drive insurance costs), rising premiums statewide, and — in fast-growing submarkets — overbuilding that can soften resale and rents. On older condos, ask about reserves and special assessments. None are dealbreakers, but all belong in your budget before you offer.
Is Pasco County good for real estate investors?
Pasco County's estimated cap rate is about 7.2% with a gross yield near 7.2%, so it leans cash-flow-friendly. Net migration and the local job base are the demand signals that matter most for landlords here.
What counties are near Pasco County?
See the 'Explore more' section on this page for direct links to the neighboring county market reports, plus the full set of scorecards for all 67 Florida counties.
Has inventory in Pasco County gone up?
Yes — active listings are +1.4% versus a year ago. That rebuild from pandemic-era lows is the single biggest reason buyers have more leverage now than they did in 2021-2022.
Why is Wesley Chapel so popular?
Wesley Chapel combines newer master-planned communities (including the Epperson and Mirada Crystal Lagoons), strong schools, big retail like The Grove and Tampa Premium Outlets, a growing medical cluster, and an easy I-75 commute to Tampa — all at prices below the city. That mix has made it one of Tampa Bay's fastest-growing areas.

or call (904) 351-6461 · jon@movewithmomentum.com