ZIP Code 33558 — Lutz, FL Home Prices (2026)

The typical home in ZIP 33558 (Lutz, Florida) is worth about $551,000 at roughly $244 per square foot — 11% more expensive than the Lutz median and 87% more expensive than the typical U.S. home.

$551,000

Typical home value

$244

Price per sq ft

#2 of 4

Lutz ZIPs by value

+11%

vs Lutz median

How 33558 compares

ZIP 33558 is one of the pricier ZIP codes in Lutz: its typical home value of $551,000 ranks #2 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 $244, against $241 for Lutz as a whole, $229 for Florida, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 33558	$551,000	$244
Lutz, FL	$497,500	$241
Florida	$349,000	$229
United States	$294,000	$195

Home value by size in 33558

Using this ZIP’s rate of about $244 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	$244,000
1,500 sq ft	$366,000
2,000 sq ft	$488,000
2,500 sq ft	$610,000
3,000 sq ft	$732,000

Salary needed to buy a home in ZIP 33558

To buy the typical $551,000 home in ZIP 33558 with 20% down, you need a household income of roughly $150,000 a year (about $3,500 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $178,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$27,600	$4,350/mo	$186,000/yr
10% (+PMI)	$55,100	$4,160/mo	$178,000/yr
20%	$110,200	$3,500/mo	$150,000/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 33558

At about $244 per square foot, here is roughly how much home different budgets get you in ZIP 33558:

Budget	Approx. size	What that looks like locally
$250k	1020 sq ft	below the local median — condos, smaller or older homes
$300k	1230 sq ft	below the local median — condos, smaller or older homes
$400k	1640 sq ft	below the local median — condos, smaller or older homes
$500k	2050 sq ft	around the typical home here
$600k	2460 sq ft	around the typical home here

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 33558 home.

Estimate a specific home in 33558

The estimator below is pre-set to ZIP 33558 — 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 33558 sits among Lutz’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	33548	$680,000	$281
2	33558 (this page)	$551,000	$244
3	33549	$444,000	$237
4	33559	$378,000	$226

ZIP 33558 home prices: frequently asked

What is the average home price in ZIP code 33558? +

The typical home in ZIP 33558 (Lutz, FL) is worth about $551,000 as of 2026. That is 11% more expensive than the Lutz median of $497,500 and 87% more expensive than the U.S. median of $294,000.

What is the price per square foot in 33558? +

About $244 per square foot in 33558, versus $241 across Lutz and $229 across Florida. At that rate a 1,500 sq ft home runs roughly $366,000 and a 2,500 sq ft home about $610,000.

What salary do you need to buy a house in ZIP 33558? +

For the typical $551,000 home in ZIP 33558, a household income of about $150,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $178,000; with 5% down about $186,000.

Is 33558 an expensive ZIP code? +

Within Lutz, 33558 ranks #2 of 4 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Lutz. Nationally it is relatively expensive.

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.