The median home in Zephyrhills, Florida is valued at $301,650, down 4.8% year over year. Typical monthly rent is $1,842, producing a price-to-rent ratio of 13.6x — below the national average of 18x. Zephyrhills 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$301,650

-4.8%

Rent$1,842/mo

AFFORDABILITY

Enter your income for Zephyrhills.

Income (annual)

Down Payment

$60,330 on $301,650

Stretch — 33.5% of income

Above 28% but manageable with cuts.

PITI$2,091

P/I33.5%

Afford$252K

Gap-$49K

P&I $1,525Tax $216Ins $350

Renting $249/mo cheaper ($1,842 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 Zephyrhills 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 →

ZEPHYRHILLS, FL