Tampa Bay Florida

Pasco County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Dade City, Wesley Chapel, Land O' Lakes and across Pasco County.

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Pasco County snapshot

Median home price

$365,000

Population

615,000

FHA loan limit (1-unit)

$524,225

County seat

Dade City

Pasco County sits in Tampa Bay Florida, anchored by Dade City and including Wesley Chapel and Land O' Lakes. The median home price here runs around $365,000, and most buyers qualify for FHA, Conventional 97%, or Florida's Hometown Heroes assistance program.

Today's example payments

Monthly payment on a $365,000 Pasco County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$2,875

Rate (mid): 6.520%
Down payment: $18,250 (5.0%)
Loan amount: $346,750

5% down · PMI applies

FHA

Monthly payment

$2,823

Rate (mid): 6.145%
Down payment: $12,775 (3.5%)
Loan amount: $352,225

3.5% down · MIP included

VA

Monthly payment

$2,871

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $365,000

0% down · no PMI

Hometown Heroes

Monthly payment

$2,930

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $365,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.