ZIP Code 33548 — Lutz, FL Home Prices (2026)
The typical home in ZIP 33548 (Lutz, Florida) is worth about $680,000 at roughly $281 per square foot — 37% more expensive than the Lutz median and 131% more expensive than the typical U.S. home.
How 33548 compares
ZIP 33548 is one of the pricier ZIP codes in Lutz: its typical home value of $680,000 ranks #1 of the 4 Lutz ZIP codes we track (the citywide range runs from $378,000 in 33559 to $680,000 in 33548). Per square foot it costs about $281, against $241 for Lutz as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 33548 | $680,000 | $281 |
| Lutz, FL | $497,500 | $241 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 33548
Using this ZIP’s rate of about $281 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $281,000 |
| 1,500 sq ft | $421,500 |
| 2,000 sq ft | $562,000 |
| 2,500 sq ft | $702,500 |
| 3,000 sq ft | $843,000 |
Salary needed to buy a home in ZIP 33548
To buy the typical $680,000 home in ZIP 33548 with 20% down, you need a household income of roughly $185,000 a year (about $4,320 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $220,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $34,000 | $5,370/mo | $230,000/yr |
| 10% (+PMI) | $68,000 | $5,130/mo | $220,000/yr |
| 20% | $136,000 | $4,320/mo | $185,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 33548
At about $281 per square foot, here is roughly how much home different budgets get you in ZIP 33548:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 1420 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1780 sq ft | below the local median — condos, smaller or older homes |
| $600k | 2140 sq ft | around the typical home here |
| $750k | 2670 sq ft | around the typical home here |
| $1.00M | 3560 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 33548 home.
Estimate a specific home in 33548
The estimator below is pre-set to ZIP 33548 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Lutz ZIP codes by home value
Where 33548 sits among Lutz’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 33548 (this page) | $680,000 | $281 |
| 2 | 33558 | $551,000 | $244 |
| 3 | 33549 | $444,000 | $237 |
| 4 | 33559 | $378,000 | $226 |
ZIP 33548 home prices: frequently asked
What is the average home price in ZIP code 33548? +
What is the price per square foot in 33548? +
What salary do you need to buy a house in ZIP 33548? +
Is 33548 an expensive ZIP code? +
See the full Lutz home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.