Zephyrhills 33542

Pasco County, FL · 11,399 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

53affordability /100

Buyer leverage is buyer advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
28.3%
stretched
Days on market
55
daily
Price cuts
29.1%
of active
Valuation
-68.3%
vs assessor
Look up an address
44
/100
Mixed
cooling · buyer advantage · prices easing year-over-year.
Price trend
35
Affordability
65
Valuation
20
Economic health
53

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

54/ 100SellerBalancedBuyer
Balanced Market
DOM: 68d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)60
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)50
Days on Market (5%)75

Balanced market in 33542. List price is roughly fair — focus on condition and value. Payment burden: 28.3% of median income. Median days on market: 68. Renting is approximately 1% cheaper than buying (price-to-rent ratio: 12.1).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGBUYER ADVANTAGE

Market is cooling with expanding inventory. Buyers have strong negotiating leverage. Prices down 2.8% YoY.

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Market snapshoteach number, once

Median price
$228,863
▾ 2.8% YoY
Days on market
55
daily · zip_data
Median rent
$1,574
ZORI
Investor score
74/100
cash-flow lens
Active listings
90
90-day

Valuation3 lenses, different anchors

vs assessor
-68.3%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$72,500
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+68.5%
County-wide market — the widest, slowest signal.
Pasco+68.5%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$174
Price-to-income4.7×

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How 33542 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity67%
Supply tightness47%
Affordability59%
Investment yield87%
Appreciation32%

Affordability, supply & momentum

33SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply21.6 mo
Days on Market55d
Inv vs History-10.5%
Listing Density8.4/1k
Affordability — payment burden
Monthly payment (P&I)$1,156
Payment burden28.3%
Median income · ZIP$49,011
Mortgage rate6.49% · 30yr
Total monthly own$1,385
Monthly rent$1,574
Market dynamics
Price cut %29.1%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply21.6
Sales (90d)0
Investment analysis
Median rent$1,574
Price-to-rent12.1
Est. cap rate5.4%
Buy vs rentfavors buying

Livability

Walk score3
Transit score2
Bike score

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Pasco County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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