Market Overview
Home Prices in Ruskin, FL
The median home value in Ruskin, FL is $313,554 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4.7% compared to a year ago and down 6.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ruskin are priced24% below average. Ruskin is part of the Tampa-St. Petersburg-Clearwater, FL metro area.
Over the past five years, Ruskin home values have risen by approximately19.9%, reflecting steady appreciation in this market.
Price History
Ruskin Home Price Trend
City Comparison
Ruskin vs. National Median
At $313,554, homes in Ruskin cost 24% below the national median of $410,000. This makes Ruskin a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ruskin?
20% Down Payment
$62,711
on $313,554
Monthly P&I
$1,635/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,076/mo
incl. taxes & insurance
Income Needed
$83,040
gross annual (30% rule)
10% Down Option
$31,355
+ PMI applies
Loan Amount (20% dn)
$250,843
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ruskin, FL?
The median home value in Ruskin is $313,554 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4.7% year-over-year.
How much have home prices changed in Ruskin?
Over the past year, home values in Ruskin have decreased by 4.7%. Over five years, prices have risen approximately 19.9%.
How much do I need to earn to buy a home in Ruskin?
To comfortably afford the median home price of $313,554 with a 20% down payment ($62,711) at today's rates (6.8%), you'd need a gross annual income of approximately $83,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Ruskin compare to the national average home price?
The national median home value is approximately $410,000. At $313,554, homes in Ruskin are 24% below the national average.
What metro area is Ruskin part of?
Ruskin is part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.