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Lutz CDP, FL

ZIP 33548 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33548

Median Home Value
$523,000
Median Rent
$1,611
Affordability Snapshot
$144,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,360/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33548 in Lutz CDP, FL, a household would need roughly $144,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,360. That is about 16% above the local median household income ($124,548), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.3%+24% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
97.9%+13% vs US avg
x
4+ Bedrooms
15.0%+1% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
31.1%-19% vs US avg
x
$523,000
Home Value
$1,611
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached84.4%
  • 1-unit attached2.2%
  • 2-9 units3.3%
  • 10+ units6.8%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$523,000
Median rent$1,611
Owner-occupied81.3%
Vacant3.0%
Price-to-income4.2x
Est. income to buy$144,000