CALCMONEY // MORTGAGE // FL // TAMPA // 33558
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 33558 in Tampa, FL.
$620,000
$496,000
$3,990
$171,000/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $620,000 | $558,000 | $3,675 | $4,398 | 6.9% |
| 20% Down | $620,000 | $496,000 | $3,267 | $3,990 | 6.9% |
| 25% Down | $620,000 | $465,000 | $3,062 | $3,786 | 6.9% |
Total monthly includes principal & interest, property tax (1% annual), and estimated homeowners insurance. PMI not included.
Lutz (ZIP 33558) sits within Tampa, Florida with a median home price of $620,000 — significantly above the Tampa city-wide median of $390,000. At 80% LTV, the typical loan of $496,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 33558 run 1% annually, adding $517 per month on the median home. Median household income in this neighborhood is approximately $108,000, placing the price-to-income ratio at 5.7x. Florida has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.