Total monthly cost of ownership
Cost to Own a Home in Zephyrhills South, Florida
A $42,000 home here costs
$531per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $216. The real number is $315 higher every month — 146% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Zephyrhills South against Pasco County and Florida
| Measure | Zephyrhills South | Pasco County |
|---|---|---|
| Median home value | $41,900 | $265,800 |
| Median property tax | $600 | $2,028 |
| Effective tax rate | 1.432% | 0.763% |
| Median gross rent | $1,073 | $1,372 |
| Population | 5,422 | 588,758 |
The weather behind that power bill
Zephyrhills South sits in Pasco County, which averages a high of 90.9°F in its hottest month and a low of 44.3°F in its coldest, with 51.94" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 2,965 cooling and 876 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Pasco County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pasco County
Common questions
How much does it cost to own a home in Zephyrhills South?
A $42,000 home in Zephyrhills South, Florida costs approximately $531 per month with 20% down at 6.66%. That is $216 principal and interest, $50 property tax, $25 homeowners insurance, $204 utilities and $35 set aside for maintenance.
What is the property tax rate in Zephyrhills South?
Zephyrhills South has an effective property tax rate of 1.432%, based on a median home value of $41,900 and median real estate taxes of $600. That is higher than the Pasco County average of 0.763%.
What is the average home price in Zephyrhills South?
The median owner-occupied home value in Zephyrhills South, Florida is $41,900, against $265,800 across Pasco County.
Is it cheaper to rent or buy in Zephyrhills South?
Median gross rent in Zephyrhills South is $1,073 a month, against $531 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Zephyrhills South — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Florida.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.