ZIP Code 33549 — Lutz CDP, FL Demographics & Data

ZIP code 33549 covers Lutz, FL in Hillsborough County with a population of about 18,816.

At a glance, the area shows median age of 44.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 656, 813; U.S. House district FL-15; the TAMPA - ST. PETE (SARASOTA) media market.

Median household income in ZIP 33549 is about $85,066 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 3.1%; 39.7% of adults with a bachelor’s degree or higher (about 6.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 15.1% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $339,400 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,378 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 78.6% (about 13.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33549 in Lutz, FL, a household would need roughly $93,000 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 $2,180. That is roughly in line with the local median household income ($85,066). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Lutz CDP, FL as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.3) and flood (97.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lutz CDP, FL show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 842 for ZIP 33549 (Lutz CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.