Zephyrhills, FL

Very Low · 65

Florida · Population 18,471 · Updated March 2026

$1,034
Median Rent / Month
$49,295
Median Income
$191,700
Median Home Value
$842
Owner Costs / Month

Affordability

How far your income goes in Zephyrhills

25.2%
Rent-to-Income Ratio
Moderate
Rent takes 25-35% of median income — moderate affordability.

Tax Burden in Florida

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.0%
Sales Tax
0.86%
Property Tax Rate

Estimated Annual Costs

$12,408
Annual Rent
$0
State Income Tax
$1,649
Property Tax (est.)

Cost of Living Overview

Zephyrhills is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 65 (where 100 equals the national median), Zephyrhills residents can expect to pay median rent of $1,034/month while earning a median household income of $49,295/year.

The median home value in Zephyrhills, FL is $191,700, with typical monthly owner costs around $842 including mortgage, insurance, and taxes. With a rent-to-income ratio of 25.2%, Zephyrhills falls within the generally affordable range, though it's approaching the 30% burden threshold.

Florida has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.0% sales tax rate and 0.86% effective property tax rate, the overall tax environment helps keep costs manageable in Zephyrhills.

Frequently Asked Questions

Common questions about living costs in Zephyrhills

What is the cost of living in Zephyrhills, FL?
The cost of living index in Zephyrhills, FL is 65 (US average = 100). Median monthly rent is $1,034, median household income is $49,295/year, and the median home value is $191,700.
Is Zephyrhills, FL affordable?
Yes, Zephyrhills is more affordable than the national average with a cost index of 65. The rent-to-income ratio is 25.2%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Zephyrhills, FL?
The median gross rent in Zephyrhills, FL is $1,034 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $12,408.
What is the median household income in Zephyrhills?
The median household income in Zephyrhills, FL is $49,295 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Florida?
Florida has a top income tax rate of 0%, a sales tax of 6.0%, and an effective property tax rate of 0.86%. Notably, there is no state income tax.