The median home in Lutz, Florida is valued at $476,346, down 3.4% year over year. Typical monthly rent is $1,897, producing a price-to-rent ratio of 20.9x — well above the national average of 18x. Lutz is part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$476,346

-3.4%

Rent$1,897/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$95,269 on $476,346

Example: $75,000 household income. Change it above to see your own.

Out of reach49.6% of income

Need $132,857/yr to afford.

PITI$3,100

P/I49.6%

Afford$269K

Gap-$207K

P&I $2,409Tax $341Ins $350

Renting $1,203/mo cheaper ($1,897 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Lutz with other housing markets across Florida.

Jupiter Island$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

Full Tampa-St. Petersburg-Clearwater, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Tampa-St. Petersburg-Clearwater, FL metro.

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Lutz, FL