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Zephyrhills, Florida Retirement Guide
Retirement Score
Zephyrhills, Florida at a Glance
- Median Home Price
- $158,000
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 54°F
- Cost of Living Index
- 102.3 (US avg = 100)
- RetireCityIQ Score
- 74 / 100
Overview
Explore the key retirement factors for Zephyrhills, Florida, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Zephyrhills's cost of living is 2.299999999999997% above the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Zephyrhills using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$342
Stress-case monthly carrying cost
$384
Median home price used: $158,000
Median rent reference: $1,012 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Zephyrhills, Florida after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Zephyrhills scores 66.9 out of 100 for healthcare access.
Care planning link
Find local assisted living in Zephyrhills
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Zephyrhills →Taxes
State Tax Climate
Florida has a tax environment that is highly favorable for retirees.Read more in our detailed Florida tax guide.
Climate
Weather & Environment
With 330 sunny days a year and an average January low of 54°F, Zephyrhills offers a mild winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Zephyrhills
What is the cost of living in Zephyrhills, Florida for retirees?▾
The cost-of-living index is 102, roughly 2% above the national average of 100. Median home price is around $158,000.
Does Florida tax Social Security or retirement income?▾
For Florida residents: No state income tax; Social Security and pension income fully exempt.
What is the climate like in Zephyrhills, Florida?▾
Zephyrhills, Florida has January average low around 54°F, July average high around 91°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Zephyrhills, Florida?▾
Zephyrhills scores 67/100 on the RetireCityIQ healthcare access index — a strong score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).