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 Moderate-density area
- $56,387
- Median income Below-median income area
- $142,800
- Median home value Below-median home value
- 19.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
- 23rd pct
- household income, US ZIPs
- 23rd 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 33540 (Zephyrhills, FL) fell -4.8% from 2023 to 2024. The all-transactions index moved from 330.8 in 2023 to 314.8 in 2024 (2000 = 100).
ZIP code 33540 is a mid-sized community (a standard USPS delivery area) in Zephyrhills, Pasco County, Florida, home to 8,752 residents across 90.8 square miles, a density of 96 people per square mile, in the New York time zone.
ZIP 33540 reports a modest median household income of $56,387 (27% below the average Florida ZIP), while per-capita income is $31,017. The poverty rate is 13.8%, with unemployment at 6.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $142,800 (62% below the average Florida ZIP), and median rent is $1,107; owner occupancy is 88.6%.
Educational attainment sits below the national norm: 19.8% of adults hold a bachelor's degree or higher, the median age is 53.4, and the average commute is 34 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Pasco County, so 33540 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 33540
Top 5 sectors by establishment count in Zephyrhills, FL
Which industries have the most business establishments in ZIP 33540.
- Health care and social assistance
Health care and social assistance
24 establishments
- Construction
Construction
19 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
18 establishments
- Retail trade
Retail trade
14 establishments
- Manufacturing
Manufacturing
12 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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
Who lives in ZIP 33540?
53.4
Median Age
50.5%
Male
49.5%
Female
11.2%
Foreign-Born
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 ZIP avg
$31,017
Per Capita Income
13.8%
Poverty Rate
6.9%
Unemployment Rate
33.6 min
Mean Commute Time
How ZIP 33540 ranks among Florida ZIPs
Zephyrhills, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$56,387 19th percentile higher than 19% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
6,047housing units
6,047
Total Housing Units
4,822
Occupied Units
1,225
Vacant Units
2.33
Avg Household Size
Occupancy Type
$142,800
Median Home Value
-62% vs state ZIP avg
$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.
- 33810
Lakeland (33810)
44,254 residents
- 33543
Wesley Chapel (33543)
21,898 residents
- 33542
Zephyrhills (33542)
20,824 residents
- 33541
Zephyrhills (33541)
19,759 residents
- 33525
Dade City (33525)
18,439 residents
- 33565
Plant City (33565)
17,975 residents
- 33545 13,996
Wesley Chapel (33545)
13,996 residents
- 33592 10,091
Thonotosassa (33592)
10,091 residents
- 33540 8,752
Zephyrhills (33540)
8,752 residents
What this shows Among its immediate neighbors, ZIP 33540 ranks #9 by population - useful context the national average alone can't give.
ZIP 33540 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 33545
Wesley Chapel (33545)
$118,889 median income
- 33543
Wesley Chapel (33543)
$107,349 median income
- 33565
Plant City (33565)
$73,414 median income
- 33810
Lakeland (33810)
$69,986 median income
- 33525
Dade City (33525)
$69,068 median income
- 33592
Thonotosassa (33592)
$68,802 median income
- 33541
Zephyrhills (33541)
$56,579 median income
- 33540
Zephyrhills (33540)
$56,387 median income
- 33542
Zephyrhills (33542)
$49,316 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 33540, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (8,752 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Pasco County
Related Areas
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.
Related
Take this with you
What to do with ZIP 33540's numbers, next.
- See how ZIP 33540 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Zephyrhills, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.