HomeFloridaPasco CountyZephyrhills city
Zephyrhills city, Florida: commercial real estate data.
Zephyrhills city is a Census city of 19,668 people across 9.63 square miles of land, in Pasco County. Median household income is $52,108, 70.1 percent of occupied homes are owned, and the SBA record carries 32 7(a) approvals to borrowers here worth $16.2 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Zephyrhills
What Zephyrhills is
- Census place typecity
- Land area9.63 sq mi
- Water area0.05 sq mi
- Population per square mile of land2,043
- County holding the largest share of its areaPasco County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Zephyrhills
How many people live in Zephyrhills
- Population19,668
- Median age48.8
- Population under 183,561
- Share under 1818.1 percent
- Population 65 and over5,875
- Share 65 and over29.9 percent
- Households8,374
- Family households4,739
- Share of households that are families56.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Zephyrhills
Income and work in Zephyrhills
- Median household income$52,108
- Per capita income$29,341
- Civilian labor force7,995
- Employed7,698
- Unemployed297 plus or minus 121
- Unemployment rate3.7 percent plus or minus 1.5
- Adults 25 and over15,026
- Adults 25 and over with a high school diploma or higher91.0 percent
- Adults 25 and over with a bachelor degree or higher21.1 percent
- Adults 25 and over with a graduate degree7.0 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Zephyrhills
Housing in Zephyrhills
- Housing units9,937
- Occupied units8,374
- Vacant units1,563
- Vacancy rate15.7 percent
- Owner occupied5,872
- Renter occupied2,502
- Ownership rate70.1 percent
- Median owner-occupied home value$224,700
- Median gross rent, monthly$1,148
- Annual rent as a share of median income26.4 percent
- Single family units5,381
- Share single family54.2 percent
- Units in buildings of two or more1,769
- Share in buildings of two or more17.8 percent
- Mobile homes2,661
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Zephyrhills
How Zephyrhills gets to work
- Workers 16 and over who commute6,363
- Commuting under 15 minutes1,586
- Share commuting under 15 minutes24.9 percent
- Commuting 30 minutes or more3,068
- Share commuting 30 minutes or more48.2 percent
- Drove alone73.9 percent
- Carpooled8.8 percent plus or minus 2.9
- Public transport0.0 percent
- Walked0.5 percent plus or minus 0.4
- Worked from home15.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Zephyrhills
SBA loans in Zephyrhills (7(a))
- Approvals32
- Gross approval$16,242,000
- Average approval$507,563
- Median approval$350,000
- Ninetieth percentile approval$1,240,000
- Largest approval$2,450,000
- Jobs supported557
- Jobs per approval17.4
- Loans with a final outcome5
- Paid in full4
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises25.0 percent
- Distinct lenders26
- Distinct industries by NAICS26
A charge-off rate is not published here. only 5 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Zephyrhills
SBA loans in Zephyrhills (504)
- Approvals19
- Gross approval$13,691,000
- Average approval$720,579
- Median approval$512,000
- Largest approval$2,035,000
- Jobs supported143
- Loans with a final outcome7
- Charged off0
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Zephyrhills
Flood risk in Zephyrhills
- Listed NFIP communities1
- Of those, participating1
- NFIP community number120235
- Currently effective map date09/26/14
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Pasco County, not Zephyrhills
Pasco County context, not Zephyrhills figures
These are Pasco County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Zephyrhills measurements.
- Establishments in Pasco County11,975
- Employment at those establishments, Pasco County123,042
- Covered employment, Pasco County145,102
- Average annual pay, Pasco County$55,908
- Average weekly wage, Pasco County$1,075
- Housing units permitted, Pasco County6,765
- Of those, single family, Pasco County5,481
- County product, 2024, Pasco County$24,175,353,000
- County product change over the prior year, Pasco County8.0 percent
- Average income of an arriving household, Pasco County$76,334
Every figure in this section is published for Pasco County as a whole and is not a measurement of Zephyrhills. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Zephyrhills questions, answered from the record.
How many people live in Zephyrhills, Florida?
19,668, in 8,374 households. Zephyrhills city covers 9.63 square miles of land, which is 2,043 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Zephyrhills in?
Pasco County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Zephyrhills?
$52,108. The median owner-occupied home is valued at $224,700. Median gross rent is $1,148 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Zephyrhills businesses?
32 7(a) approvals totalling $16.2 m, across 26 lenders, median approval $350,000, plus 19 504 approvals worth $13.7 m. These count approvals to borrowers whose address is in Zephyrhills, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Zephyrhills borrowers get paid back?
No rate is published for Zephyrhills. only 5 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Zephyrhills in the National Flood Insurance Program?
Yes. Zephyrhills appears in the FEMA Community Status Book as community 120235, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Zephyrhills figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Pasco County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Zephyrhills.
Is zoning published for Zephyrhills?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.