Pasco County, Florida home prices
Typical home $328,125 · -1.9% in a year · property tax 0.73%
The typical home in Pasco County is worth $328,125, 13% less than the Florida typical home ($375,361). Values changed -1.9% in the past year and +13.8% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($2,406 on the typical home), versus 0.8% statewide.
Mortgage on the typical Pasco County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,625 | $262,500 | $1,766 | $0 | $365 | $2,130 | $91,300 |
| 10% down | $32,812 | $295,312 | $1,987 | $123 | $365 | $2,474 | $106,000 |
| 5% down | $16,406 | $311,719 | $2,097 | $130 | $365 | $2,591 | $111,100 |
| 3.5% down (FHA) | $11,484 | $322,182 | $2,167 | $145 | $365 | $2,677 | $114,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Tampa metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Volusia County | $324,665 | -0.3% | 0.77% |
| Lee County | $334,485 | -3.5% | 0.79% |
| Clay County | $335,274 | -0.3% | 0.72% |
| Baker County | $314,146 | +3.4% | 0.64% |
| Brevard County | $342,346 | -0.5% | 0.68% |
| Bay County | $343,009 | -0.0% | 0.58% |
| Gilchrist County | $306,253 | +2.4% | 0.65% |
| Hernando County | $306,116 | -1.7% | 0.67% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Jefferson County | $305,552 | +4.4% | 0.62% |
Frequently asked questions
What is the average home price in Pasco County, FL?
The typical home value in Pasco County is $328,125 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pasco County?
About $91,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pasco County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).