Cost of Living & Housing in Zephyrhills
Zephyrhills runs affordably by Florida standards, though the exact citywide median home price is genuinely disputed across sources this research pass -- estimates ranged from $248K to $335K depending on the snapshot and geographic boundary used. Property taxes are a real offsetting cost: Ownwell's cited effective rate (1.43%) runs above both the Florida and national medians, even though the median dollar tax bill is low because home values are modest.
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Learn moreHousing Prices -- A Real Spread Across Sources
A June 2026 Redfin-derived snapshot put the citywide median sale price at $320,000, with homes averaging 86 days on market. A separate 'last month' Redfin figure cited $248K, down 11.3% year-over-year, while a trailing-six-month aggregation across 806 closed sales put the median at $335,000. Redfin's Zephyrhills West page specifically (a named sub-area, not the full city) cited $329,793, up 19.9% year-over-year. This spread likely reflects different geographic boundaries and time windows rather than one settled number -- $320,000 is used as a directionally reasonable middle figure in Zephyrhills' base profile, not a precise current price.
Property Taxes Run Above the Florida Median
Ownwell's median effective property tax rate for Zephyrhills is 1.43%, above both the Florida statewide median (1.14%) and the national median (1.02%). Pasco County's FY2025 total millage (county, school, municipal, and special-district levies combined) is cited around 16.15 mills. Despite the above-median rate, the median annual tax bill is only about $1,140 -- well below the national median bill of $2,400 -- because Zephyrhills' assessed home values are relatively modest.
Homeowners Insurance
Estimates for Zephyrhills homeowners insurance vary by source: Clovered cites $2,503/yr (about 12% below Florida's statewide average of $2,857/yr), a ZIP-level source (33541) cites a lower $1,991/yr, and a third source gives a wider $1,800-$3,500/yr range depending on home age, construction, and coverage level. None of these are rate filings -- get an actual quote before relying on any single figure.
Key takeaways
- Median home price is genuinely disputed across sources ($248K-$335K depending on snapshot and boundary) -- treat any single figure as directional, not precise.
- Zephyrhills' effective property tax rate (1.43% per Ownwell) runs above both the Florida and national medians, though the typical dollar tax bill is low (~$1,140/yr) given modest home values.
- Homeowners insurance estimates range roughly $1,991-$3,500/yr across sources checked, with one mid-point estimate of $2,503/yr running about 12% below the Florida statewide average.
- Zephyrhills is affordable relative to Florida's statewide median across every housing-price source checked, even accounting for the disclosed disagreement on the exact figure.
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