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Zephyrhills, Florida, is known as the “city of pure water”
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Key Takeaways
Mild winters in Zephyrhills, Florida, draw many snowbirds and retirees moving from colder climates.
The cost of living in Zephyrhills is lower than the national average, primarily due to moderate housing costs.
Florida’s lack of state income tax appeals to many retirees.
Zephyrhills, Florida, is a welcoming Central Florida town that is gaining popularity with snowbirds and seasonal retirees. It was named one of the best 100 places to retire in America by Investopedia. And with a population of less than 23,000, it offers a relaxed pace, an affordable cost of living, and a strong retiree-friendly community.
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Cost of Living and Housing
Retirees moving from larger cities or their suburbs will find that their housing dollars stretch further in Zephyrhills. The average rent is about $1,800 per month, which is about 10% lower than the national average. Home values average $297,047, compared with a national average of $357,275. You’ll find a variety of housing options to choose from, including a mix of manufactured-home communities, single-family homes, and 55+ neighborhoods.
The cost of living in Zephyrhills is 14% below the national average, making it appealing to retirees on a fixed budget. This difference is primarily due to its modest housing costs; expenses like groceries and utilities are slightly higher than the national average.
Florida residents don’t pay any state income tax. Homeowners will pay property tax at an effective rate of 0.74%.
Climate and Seasonal Appeal
Like many areas in Florida, Zephyrhills is known for its mild winters, making it an appealing choice for snowbirds or year-round residents who are moving from colder climates. Though summers can be hot and rainy, year-round temperatures rarely go above 95 degrees or below 32. Even in January, the coldest month of the year, high temperatures rarely dip below the 60s or low 70s.
Community and Lifestyle
Zephyrhills is well-known for active adult communities, many of which have dozens of clubs, events, and social activities. The area has a friendly, small-town atmosphere. Local organizations such as the Silverado Golf & Country Club or The Woman’s Club of Zephyrhills can help new residents build connections, especially with other retirees who have also moved there for the weather or low cost of living.
You’ll also find many public parks that have trails for walking and biking, as well as local community centers, swimming facilities, and even a dog park. Retirees can stay fit and active while enjoying the outdoors and engaging with their community.
Location and Accessibility
Pasco County, where Zephyrhills is located, provides local bus services that operate weekdays and Saturdays. It also provides a door-to-door paratransit service that is Americans with Disabilities Act (ADA)-compliant, allowing retirees to stay mobile and independent for longer as they age.
Zephyrhills residents are a convenient drive from Tampa, which is located less than 30 miles away. Retirees can enjoy easy access to shopping, dining, and entertainment without paying for the higher cost of living. This also puts them close to day trip destinations such as Tampa Bay beaches, as well as dozens of Central Florida nature preserves and parks. Many of these destinations have beautiful walking trails, including some that are ADA-accessible.
Healthcare Access
Pasco County has eight hospitals, including one located in Zephyrhills. Residents also have access to major hospitals and specialists in Tampa and St. Petersburg, increasing their options for healthcare. Healthcare costs in Zephyrhills are 9% lower than the national average, making it easier for retirees on a budget to afford the care they need. Pasco County also offers a prescription discount card if you’re an uninsured or underinsured retiree.
The Bottom Line
With mild winters and lots of outdoor recreation options, Zephyrhills, Florida, is a comfortable destination for snowbirds to return to year after year. The moderate cost of housing and lack of state income tax will appeal to budget-savvy retirees, while the strong community and easy access to shopping and dining make it an appealing spot to spend some or all of the year as you enjoy your retirement.
Read the original article on Investopedia