PlainZIP

Zephyrhills, FL · standard

ZIP Code 33540

Pasco County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

8,752
96/sq mi
$56,387
Median income
$142,800
Median home value
19.8%
Bachelor's or higher

The verdict

Zephyrhills pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

23th pct
household income, US ZIPs
23th pct
home value, US ZIPs
96
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 33540 against every reporting US ZIP.

ZIP code 33540 is classified by USPS as a standard delivery area and covers roughly 90.8 square miles in Zephyrhills, Pasco County, Florida. The area is home to 8,752 residents, producing a population density of 96 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 33540 against Florida and the nation.

On the economic side, the median household income for ZIP 33540 sits at $56,387 (27% below the Florida average), while per-capita income is $31,017. The poverty rate stands at 13.8% and the unemployment rate at 6.9%. On housing, the median home value is $142,800 (62% below the state average) with median rent at $1,107 per month, and 88.6% of occupied units are owner-occupied, a direct signal of whether 33540 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 19.8% of adults hold a bachelor's degree or higher, the median age is 53.4, and the average commute is 34 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Pasco County, so you can benchmark 33540 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 33540

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 33540.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 33540, Zephyrhills, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

8,752

Population

90.8

Area (sq mi)

96

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 33540?

53.4

Median Age

50.5%

Male

49.5%

Female

11.2%

Foreign-Born

White 78.4%
African American 4.0%
Asian 0.9%
American Indian or Alaska Native 1.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 13.1%
Hispanic or Latino 13.9%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$56,387

Median Household Income

-27% vs state

$31,017

Per Capita Income

13.8%

Poverty Rate

6.9%

Unemployment Rate

33.6 min

Mean Commute Time

How ZIP 33540 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$56,387 23rd percentile higher than 23% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.9%
Bachelor's Degree or Higher 19.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

6,047

Total Housing Units

4,822

Occupied Units

1,225

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 88.6%
Renter 11.4%

$142,800

Median Home Value

-62% vs state

$1,107

Median Rent

1994

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-4.8%

YoY Change (2024)

315

HPI Index (2000 = 100)

+215%

Total Change Since 2000

Home values in ZIP 33540 have decreased 4.8% over the past year (2024). Since 2000, this ZIP has seen +215% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.3% 185
2021 +17.8% 218
2022 +29.0% 282
2023 +17.5% 331
2024 -4.8% 315

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 126 business establishments in ZIP 33540, employing approximately 1,650 people with a combined annual payroll of $79,049,000.

126

Businesses

1,650

Employees

$79.0M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 24 19.1%
Construction 19 15.1%
Administrative and support and waste management and remediation services 18 14.3%
Retail trade 14 11.1%
Manufacturing 12 9.5%
Other services (except public administration) 12 9.5%
Real estate and rental and leasing 7 5.6%
Transportation and warehousing 5 4.0%
Accommodation and food services 4 3.2%
Information 3 2.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 33540 vs 33542 →

ZIP 33540 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 33540 ranks #9 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 33540 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 33540 ranks #8 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
33542 Zephyrhills, FL 20,824 2.1 mi
33849 Kathleen, FL 856 4.7 mi
33541 Zephyrhills, FL 19,759 4.4 mi
33565 Plant City, FL 17,975 8.3 mi
33543 Wesley Chapel, FL 21,898 8.9 mi
33525 Dade City, FL 18,439 8.9 mi
33545 Wesley Chapel, FL 13,996 9.3 mi
33810 Lakeland, FL 44,254 9.7 mi
33592 Thonotosassa, FL 10,091 11.5 mi

More ZIP Codes in Pasco County

34668 standard
Port Richey, FL
Pop: 42,619
34655 standard
New Port Richey, FL
Pop: 38,464
34667 standard
Hudson, FL
Pop: 32,144
34653 standard
New Port Richey, FL
Pop: 30,756
34652 standard
New Port Richey, FL
Pop: 24,147
34639 standard
Land O Lakes, FL
Pop: 24,092

Related Areas

Pasco County Zephyrhills, FL Florida

Frequently Asked Questions

What county is ZIP code 33540 in? ▼
ZIP code 33540 (Zephyrhills) is located in Pasco County, Florida. Pasco County contains multiple ZIP codes, see the full list at /counties/pasco-fl.
What is the population of ZIP code 33540? ▼
ZIP code 33540 in Zephyrhills, FL has a population of 8,752 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 33540? ▼
The median household income in ZIP 33540 is $56,387, which is 26% below the national average of $76,288.
What is the average home value in ZIP 33540? ▼
The median home value in ZIP 33540 is $142,800, which is 49% below the national average of $278,155.
What is the demographic makeup of ZIP 33540? ▼
The largest racial group in ZIP 33540 is White at 78.4%. Hispanic or Latino residents make up 13.9% of the population.
How many businesses are in ZIP code 33540? ▼
ZIP code 33540 has 126 business establishments employing approximately 1,650 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 33540? ▼
The top industries by establishment count in ZIP 33540 are: Health care and social assistance (24), Construction (19), Administrative and support and waste management and remediation services (18). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 33540? ▼
According to the FHFA House Price Index, home values in ZIP 33540 decreased by 4.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 215%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 33540? ▼
In ZIP code 33540, 54.9% of residents aged 25+ have a high school diploma or higher, and 19.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 33540? ▼
The mean commute time for workers in ZIP code 33540 is 33.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 33540? ▼
In ZIP code 33540, approximately 88.6% of occupied housing units are owner-occupied and 11.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 33540? ▼
The poverty rate in ZIP code 33540 is 13.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Zephyrhills, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.