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Lutz CDP, FL

ZIP 33549 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33549

Median Home Value
$339,400
Median Rent
$1,378
Affordability Snapshot
$93,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,180/mo PITI).

19%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

20.5 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 33549 in Lutz CDP, 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.

Housing Tenure

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

Heating Fuel
Housing Metrics
Owner Occupied
78.6%+20% vs US avg
x
Vacancy Rate
4.7%-55% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
43.2%+13% vs US avg
x
$339,400
Home Value
$1,378
Rent
1989
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.2%
  • 1-unit attached6.8%
  • 2-9 units5.2%
  • 10+ units7.3%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$339,400
Median rent$1,378
Owner-occupied78.6%
Vacant4.7%
Price-to-income4.0x
Est. income to buy$93,000