Cost of Living in Zephyrhills South, FL

Population 5,422 · Florida · Data vintage 2023

41
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

With a median age of 58, Zephyrhills South functions largely as a retirement market. Housing costs — $42,000 for a typical home — anchor most household budgets, and the state's treatment of pension income tends to matter more than wage-driven tax comparisons. Unemployment has stayed elevated relative to the national figure — 8.4% as of the most recent ACS release — which shows up in household-income and poverty figures as well.

Located 20 miles northwest of Lakeland, Zephyrhills South falls within that metro's commuting orbit. Median home values run roughly 82% lower than Lakeland's $229,000.

Cost Overview

Housing 14
Rent 82

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

About the Cost of Living in Zephyrhills South

The median home value in Zephyrhills South is $41,900 — 86% below the national median of $305,000. Median rent runs $1,073/month, 18% lower than the national median of $1,314/month. The median household income of $39,884/year is 47% lower than the US median of $74,580. The local unemployment rate is 8.4%, above the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, Zephyrhills South has a cost of living index of 41 versus the US average of 100, meaning it is 59% less expensive.

🏠 Housing

Median Home Value
$41,900
86% below avg
Median Rent
$1,073/mo
18% below avg
Price-to-Rent Ratio
3.3x
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 83.0%
Renter-occupied 17.0%

💰 Estimated Monthly Budget

Rent median rent
$1,073
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $1,687/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
28.1 min
4% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
9.7%

Commute Mode

Drove alone
71.9%
Carpooled
9.5%
Walked
5.9%
Work from home
9.7%

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
$39,884
47% below avg
Per Capita Income
$24,512
Unemployment Rate
8.4%
75% above avg
Poverty Rate
17.8%
Labor Force Participation
35.7%

🎓 Education

Bachelor's degree+ 7.4%
Graduate degree 2.7%

👥 Demographics

Median Age 58.4
Male median age 57
Female median age 61.6

💨 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 South, FL?

Zephyrhills South has a cost index of 41 (100 = national average). It is 59% below the national average.

What is average rent in Zephyrhills South, FL?

The median gross rent in Zephyrhills South is $1,073 per month based on 2023 Census data.

What is the average home price in Zephyrhills South?

The median home value in Zephyrhills South is $41,900 according to 2023 Census ACS data.

What is the median income in Zephyrhills South?

The median household income in Zephyrhills South is $39,884 per year (2023 ACS 5-year estimates).

What is the sales tax in Zephyrhills South, FL?

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

Is Zephyrhills South, FL affordable?

Yes, Zephyrhills South is generally considered affordable, with a cost of living index of 41 — about 59% below the US national average of 100.