Cost of Living in Pasco County, Florida
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Pasco County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Pasco County ranks #2,336 of 3,144 counties for affordability (bottom 26%)
Data Story
About Cost of Living in Pasco County, Florida
Pasco offers middle-ground affordability
Pasco County renters spend 24.4% of income on rent, sitting comfortably below national affordability stress levels and benefiting from a balanced housing market. Median household income of $67,384 falls slightly below the national average, yet housing costs remain manageable relative to regional peers.
Better than state average, barely
Pasco's rent-to-income ratio of 24.4% slightly exceeds Florida's state average of 22.5%, though median rent of $1,372 sits meaningfully above the state's $1,233 baseline. The county offers a middle path within Florida's diverse housing landscape.
Tampa Bay's most affordable anchor
Pasco renters pay $1,372 monthly—the lowest among Pinellas ($1,525) and Osceola ($1,651) in the central Florida region, yet higher than inland Polk at $1,272. For families seeking Tampa Bay proximity without premium pricing, Pasco delivers solid value.
Housing claims one-quarter of income
Renters average $1,372 monthly while homeowners pay $1,100, totaling roughly 24% of the $67,384 median household income. This leaves Pasco households approximately $4,200 monthly for utilities, food, transportation, and savings.
Smart choice for Tampa Bay access
Relocating to Pasco means allocating 24% of income to rent—a solid balance between affordability and urban proximity. If you work in the Tampa Bay area but want to avoid premium coastal prices, Pasco offers measurable savings versus Pinellas and Osceola.
Cost of Living Advisory: Pasco County
Affordability Verdict
Pasco County offers affordable rental housing at a median of $1,372/month — about 24.4% of the typical household income here.
Rent vs. Own
At $1,372/month rent versus $1,100/month in owner costs, owning is roughly $272/month cheaper — a 20% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $54,880/year. For owner costs at the 28% rule, the required income is roughly $47,143/year. With a median household income of $67,384, most households can comfortably afford rent here. Notably, 32.0% of renter households in Pasco County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Bay County where rent averages $1,424/month, Pasco County is approximately 4% less expensive.
Affordability Calculator
See how your income compares to housing costs in Pasco County
Rent Burden
24.4%
of gross income
Max Housing (28% Rule)
$1,572
per month
Owner Cost Burden
19.6%
of gross income
The median home in Pasco County may be a stretch
Median home value is $265,800. Estimated monthly cost: $2,122 vs. your max of $1,572.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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