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.

See the full metro analysis: Tampa-St. Petersburg-Clearwater, FL stress score, crash risk, and 12-month forecast →

Home Value$476,346

-3.4%

Rent$1,897/mo

AFFORDABILITY

Enter your income for Lutz.

Income (annual)

Down Payment

$95,269 on $476,346

Out of reach — 49.6% 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$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

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.

View Tampa-St. Petersburg-Clearwater, FL metro →

LUTZ, FL