1st Advantage MortgageThe median Pasco County household earns $70,492, and 11% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Getting oriented in Pasco County
- Pasco County housing compared with Florida
- Household income in Pasco County
- Jobs and commutes in Pasco County
- Places inside Pasco County
- The counties around Pasco County
- Pasco County households compared
- Before borrowing in Pasco County
- Budget math at the Pasco County median
- Checklist for Pasco County applicants
- Licensing and complaints for Pasco County
- Related local guides
- Frequently asked questions
Getting oriented in Pasco County
Roughly 611,444 residents live in Pasco County, Florida, 11th by population among the state's 67 counties and county equivalents. Land area is 747 square miles (2024 Gazetteer), so density runs near 819 per square mile. The federal metro definitions (OMB, July 2023) place it in the Tampa-St. Petersburg-Clearwater, FL metropolitan area. Wesley Chapel is the biggest of its 33 Census places, at roughly 76,011 people (12% of the county total).
Pasco County housing compared with Florida
Renters in Pasco County pay a median of $1,505 a month, 10% below the Florida figure of $1,669. 55% of renting households spend 30% or more of income on rent, and 27% spend half or more. The median owner-occupied home is valued at $300,900, about 4.3 times the median household income. The ownership rate is 76%.
| Home costs | Pasco County | Florida | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,505/mo | $1,669/mo | $877/mo |
| Median home value | $300,900 | $359,000 | $185,300 |
| Owners | 76% | 68% | 75% |
| Rent-burdened renters | 55% | 60% | 45% |
| Burdened owners | 33% | 35% | n/a |
| Mobile homes | 17.2% | 8.0% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare). When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
Household income in Pasco County
The median household income in Pasco County is $70,492; statewide it is $74,568, so Pasco County runs 5% below Florida as a whole.
| Income band | Share in Pasco County | Difference from Florida |
|---|---|---|
| Under $35,000 | 23.7% | +1.3 pts |
| $35,000 to $99,999 | 41.5% | +0.5 pts |
| $100,000 to $199,999 | 25.4% | -0.2 pts |
| $200,000 or more | 9.4% | -1.6 pts |
The spread is wide: 35% of Pasco County households make $100,000 or more, and 24% make less than $35,000. The poverty rate is 11.1%, 1 point lower than the state's 12.6%. Income inequality, measured by the Gini index, comes to 0.459 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Jobs and commutes in Pasco County
Education and health care employs 23% of working residents, the largest share; professional and administrative services is next with 14%. The sharpest difference from the state is in education and health care, at 23% locally and 21% for Florida. ACS puts five-year average unemployment at 4.9% in Pasco County. 27% of commuters travel 45 minutes or more each way, and 20% work from home.
| Sector | Pasco County | Compared with Florida |
|---|---|---|
| Education and health care | 23.4% | +2.4 pts |
| Professional and administrative services | 14.0% | -0.2 pts |
| Retail trade | 13.8% | +1.8 pts |
| Finance, insurance and real estate | 8.9% | +0.8 pts |
| Arts, lodging and food service | 8.6% | -2.4 pts |
| Construction | 8.0% | -0.2 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Pasco County should have bank statements and tax returns ready.
Places inside Pasco County
The table lists the 14 largest of 33 Census places in Pasco County, by population. Together all 33 hold about 382,368 people, so roughly 37% of residents live outside any named place. Connerton has the highest median household income on the list ($123,540) and Dade City North the lowest ($32,277), counting places with at least 500 residents. Rent is cheapest in Zephyrhills South ($926) and steepest in Trinity ($2,451). This guide covers each of the 33 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Wesley Chapel | CDP | 76,011 | $107,504 | $2,100 | 14 mi |
| Land O' Lakes | CDP | 38,910 | $98,568 | $2,045 | 8 mi |
| Bayonet Point | CDP | 23,822 | $42,524 | $1,336 | 11 mi |
| Jasmine Estates | CDP | 23,571 | $50,718 | $1,457 | 11 mi |
| Holiday | CDP | 22,785 | $48,186 | $1,239 | 16 mi |
| Zephyrhills | city | 19,668 | $52,108 | $1,148 | 21 mi |
| Trinity | CDP | 18,907 | $113,580 | $2,451 | 12 mi |
| New Port Richey | city | 17,425 | $47,606 | $1,193 | 13 mi |
| Elfers | CDP | 15,006 | $56,054 | $1,437 | 14 mi |
| Pasadena Hills | CDP | 13,505 | $84,821 | $1,167 | 17 mi |
| Shady Hills | CDP | 11,983 | $68,409 | $993 | 7 mi |
| New Port Richey East | CDP | 11,939 | $46,641 | $1,156 | 12 mi |
| Hudson | CDP | 11,254 | $51,513 | $1,044 | 11 mi |
| Odessa | CDP | 8,381 | $117,806 | $1,909 | 9 mi |
The counties around Pasco County
The six counties whose centers lie closest to Pasco County's, from 17 to 56 miles away. Hillsborough County leads the group on income ($79,540), Citrus County trails ($56,546), and Pasco County out-earns 3 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Pasco County | - | $70,492 | $1,505/mo | 76% |
| Hernando County, FL | 17 mi | $66,058 | $1,298/mo | 83% |
| Hillsborough County, FL | 30 mi | $79,540 | $1,667/mo | 61% |
| Pinellas County, FL | 33 mi | $72,646 | $1,642/mo | 70% |
| Citrus County, FL | 38 mi | $56,546 | $1,107/mo | 85% |
| Sumter County, FL | 39 mi | $76,508 | $1,269/mo | 88% |
| Polk County, FL | 56 mi | $65,978 | $1,363/mo | 70% |
Pasco County households compared
Degree holders: 29% of adults over 25. The uninsured rate is 9.9%, against 11.5% for Florida.
| Measure | Pasco County | Florida statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 43.4 | 42.6 | 41.5 |
| Bachelor's or higher | 29.2% | 34.1% | 22.2% |
| No high school diploma | 8.5% | 10.1% | n/a |
| No health insurance | 9.9% | 11.5% | 7.8% |
| No vehicle | 4.7% | 6.0% | 5.4% |
| Work from home | 20.3% | 15.7% | 8.7% |
| Poverty rate | 11.1% | 12.6% | 13.2% |
| Unemployment (ACS) | 4.9% | 4.8% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 20.1% |
| 15 to 29 min | 30.0% |
| 30 to 44 min | 23.0% |
| 45 to 59 min | 14.6% |
| 60+ min | 12.3% |
Before borrowing in Pasco County
What the Pasco County figures suggest, and what to check first:
- Long drives. With 27% of commutes over 45 minutes, tires and repairs are fixed costs in many Pasco County budgets.
- 17% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Tight rental budgets. With 55% of Pasco County renters cost-burdened, test a new payment against a lean month.
Budget math at the Pasco County median
Here is the Pasco County median household run through a simple DTI check. Your numbers will differ.
- $5,874 a month: gross income for a household at the Pasco County median
- Less median rent of $1,505, which is 26% of it
- $610: what a 36% ratio leaves once rent is paid
- $1,021: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Pasco County land in very different places on this math, so run it for your own budget.
Checklist for Pasco County applicants
A short checklist for Pasco County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- A Florida license check takes minutes; do it first.
- Pick the shortest term whose payment still fits.
Licensing and complaints for Pasco County
No county office licenses personal lenders. For Pasco County, check the Florida Office of Financial Regulation. Problems with a lender can also go to the CFPB. The Florida guide covers state rules in more detail.
Related local guides
The Florida guide covers the whole state.
Frequently asked questions
Is Pasco County a high-income county?
Its $70,492 median ranks 31st of 67 Florida counties and compares with $65,681 for the median U.S. county.
What do renters pay in Pasco County?
$1,505 a month at the median, about 26% of median household income.
I own my home in Pasco County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 76% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Pasco County guide cover?
Every community in the county, unincorporated areas included. The largest of its 33 Census places: Wesley Chapel, Land O' Lakes, Bayonet Point, Jasmine Estates, Holiday.
Is the fit check different in Pasco County?
No. It is identical everywhere, and it never looks at your neighborhood.