Market Overview
Home Prices in Zephyrhills, FL
The median home value in Zephyrhills, FL is $304,782 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.1% compared to a year ago and down 4.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Zephyrhills are priced26% below average. Zephyrhills is part of the Tampa-St. Petersburg-Clearwater, FL metro area.
Over the past five years, Zephyrhills home values have risen by approximately25.1%, reflecting strong long-term appreciation in this market.
Price History
Zephyrhills Home Price Trend
City Comparison
Zephyrhills vs. National Median
At $304,782, homes in Zephyrhills cost 26% below the national median of $410,000. This makes Zephyrhills a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Zephyrhills?
20% Down Payment
$60,956
on $304,782
Monthly P&I
$1,590/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,019/mo
incl. taxes & insurance
Income Needed
$80,760
gross annual (30% rule)
10% Down Option
$30,478
+ PMI applies
Loan Amount (20% dn)
$243,826
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 Zephyrhills, FL?
The median home value in Zephyrhills is $304,782 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.1% year-over-year.
How much have home prices changed in Zephyrhills?
Over the past year, home values in Zephyrhills have decreased by 3.1%. Over five years, prices have risen approximately 25.1%.
How much do I need to earn to buy a home in Zephyrhills?
To comfortably afford the median home price of $304,782 with a 20% down payment ($60,956) at today's rates (6.8%), you'd need a gross annual income of approximately $80,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Zephyrhills compare to the national average home price?
The national median home value is approximately $410,000. At $304,782, homes in Zephyrhills are 26% below the national average.
What metro area is Zephyrhills part of?
Zephyrhills is part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.