Cost of Living in Zephyrhills North, FL

Population 3,243 · Florida · Data vintage 2023

55
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Zephyrhills North skews considerably older than the national median, with an average age of 58. Reported household income of $51,932 often reflects pension and investment income rather than wages, which makes the local tax picture — especially property tax treatment — a larger factor than in working-age cities. Unemployment has stayed elevated relative to the national figure — 10.9% as of the most recent ACS release — which shows up in household-income and poverty figures as well.

Geographically, Zephyrhills North sits roughly 20 miles northwest of Lakeland. Median home values run roughly 65% lower than Lakeland's $229,000.

Cost Overview

Housing 26
Rent 98

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Zephyrhills North

The median home value in Zephyrhills North is $79,500 — 74% below the national median of $305,000. Median rent runs $1,290/month, 2% lower than the national median of $1,314/month. The median household income of $51,932/year is 30% lower than the US median of $74,580. The local unemployment rate is 10.9%, above the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, Zephyrhills North has a cost of living index of 55 versus the US average of 100, meaning it is 45% less expensive.

🏠 Housing

Median Home Value
$79,500
74% below avg
Median Rent
$1,290/mo
2% below avg
Price-to-Rent Ratio
5.1x
Favors buying
Property Tax Rate
0.9%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$1,085
1 BR
$1,181
2 BR
$1,427
3 BR
$1,797
4 BR
$2,099
Owner-occupied 83.6%
Renter-occupied 16.4%

💰 Estimated Monthly Budget

Rent median rent
$1,290
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $1,904/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
26.8 min
1% below avg
Gas Price
$3.145/gal
0% below avg
Work From Home
15.8%

Commute Mode

Drove alone
78.1%
Carpooled
6.1%
Work from home
15.8%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax (flat) None
Total Sales Tax 7.0%
State rate 6.0%
Avg local rate 1.1%
Property Tax 0.9%

💼 Income & Employment

Median Household Income
$51,932
30% below avg
Per Capita Income
$26,709
Unemployment Rate
10.9%
127% above avg
Poverty Rate
19.2%
Labor Force Participation
37.0%

🎓 Education

Bachelor's degree+ 2.8%
Graduate degree 4.8%

👥 Demographics

Median Age 58.2
Male median age 61.7
Female median age 56.6

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 39 — Good
88.5%
Good air days/yr
97
Max AQI recorded
0
PM2.5 days
365
Ozone days

Frequently Asked Questions

What is the cost of living in Zephyrhills North, FL?

Zephyrhills North has a cost index of 55 (100 = national average). It is 45% below the national average.

What is average rent in Zephyrhills North, FL?

The median gross rent in Zephyrhills North is $1,290 per month based on 2023 Census data.

What is the average home price in Zephyrhills North?

The median home value in Zephyrhills North is $79,500 according to 2023 Census ACS data.

What is the median income in Zephyrhills North?

The median household income in Zephyrhills North is $51,932 per year (2023 ACS 5-year estimates).

What is the sales tax in Zephyrhills North, FL?

The combined state and local sales tax rate in Zephyrhills North is 7.0%. Florida has no state income tax.

Is Zephyrhills North, FL affordable?

Yes, Zephyrhills North is generally considered affordable, with a cost of living index of 55 — about 45% below the US national average of 100.

Zephyrhills North at a Glance

Population
3,243
Median Income
$51,932
Home Value
$79,500
Median Rent
$1,290/mo
Unemployment
10.9%
Sales Tax
7.0%
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Explore county-level cost of living data

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