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Living in
Lutz.
Lutz is an unincorporated community in Hillsborough County, FL. It has no city government: the county runs it, and the Census counts it as its own place.
About
Life in Lutz
Lutz works well if you want suburban Tampa living without being downtown, though you need to accept that this is car-dependent sprawl. Home values around $487k and median household income over $114k reflect a stable, affluent demographic, and the 4.0% unemployment rate shows a healthy local job market—but most people here are likely commuting to Tampa or regional employers, which means 32 minutes average commute time. Rents average $1,823 a month, so it's not cheap, and housing inventory is tight (only 6.3% vacancy).
Lutz at a Glance
Population, income, housing and more
Median Age
41.3 yrs
Poverty Rate
6.1%
Foreign-Born
10.5%
Broadband Internet
96.8%
of households
Median household income
Demographics10.5% foreign-born, most often from India
Who lives in Lutz: race and ethnicity, ages, households, languages and countries of origin
In Lutz, the largest foreign-born group is from India (15.7%), and 9.0% of residents speak Spanish at home.
Under 18
24.8%
of residents
65 and Older
18.1%
of residents
Households with Kids
34.9%
anyone under 18
Living Alone
19.8%
of households
Married Couples
64.7%
of households
Avg Household Size
2.79
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 9% above FL average
Rent, home values, and income in Lutz
In Lutz, rent runs 9% above the FL average, and home values are 36% above the FL average.
Median rent (per month)
Median home value
Rent Burdened
59.6%
spending 30%+ of income on rent
Severely Rent Burdened
19.9%
spending 50%+
Cost of Living Index
100.9
metro area (BEA) · US avg = 100
Median Property Tax
$3,713
per year, owner-occupied homes
Homeowners
78.5%
of occupied homes are owned
Typical Home Built
1990
median year built
Vacant Homes
4.8%
of housing units
Home Value Trend
Latest: $486,345 (September 2026)
Jobs & Economyunemployment about average for FL
Unemployment in Lutz and typical pay across the metro area
Unemployment in Hillsborough County, which includes Lutz, is close to the FL average.
Unemployment rate
Lutz: Hillsborough County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Hillsborough County (county-wide) · Annual averages
Lutz is about 2% of Hillsborough County’s population, so county-wide figures may differ from local conditions.
What Lutz Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Tampa-St. Petersburg-Clearwater, FL metro area
Commute31.8 min avg
How Lutz residents get to work, and the nearest airports
In Lutz, most residents drive alone to work (69%), and 46% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 13 mi
Tampa International Airport (TPA)
Major hub12.1M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 62% below national average
Crime rates for 2025
Violent crime in the area policed by the Hillsborough County Sheriff's Office, which covers Lutz, runs 62% below the national average.
Violent Crime Rate
126
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
435.8
per 100,000 residents
Below average (1,552 national, 2025)
Policed by Hillsborough County Sheriff's Office (county-wide rate)
Natural DisastersThunderstorm Wind most common — 6 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively High
98.8 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Hillsborough, county-wide · FEMA NRI December 2025
In Hillsborough County, which includes Lutz, the most common type is thunderstorm wind, with 6 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 6 | Thunderstorm Wind | None reported |
| 2024 | 10 | Thunderstorm Wind | $276,000 |
| 2023 | 5 | Hail | $25,000 |
| 2022 | 15 | Thunderstorm Wind | $60.1M |
| 2021 | 5 | Thunderstorm Wind | $13,000 |
| 2020 | 14 | Thunderstorm Wind | $570,000 |
| 2019 | 7 | Thunderstorm Wind | $611,000 |
| 2018 | 11 | Thunderstorm Wind | $315,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Hillsborough County, county-wide
Lutz is about 2% of Hillsborough County’s population, so county-wide figures may differ from local conditions.
Air Quality49 median AQI — Good
Days by air quality category (2025)
Air quality in Hillsborough County, which includes Lutz, is typically good — 194 good-air days per year.
Median AQI
49
Good Days
194
per year
Moderate Days
169
per year
Unhealthy Days
0
per year
Hillsborough County, county-wide
Lutz is about 2% of Hillsborough County’s population, so county-wide figures may differ from local conditions.
Climate91°F summers, 55°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Lutz has hot summers (avg high 91°F) and warm winters (avg low 55°F).
Spring (Mar–May)
83°/65°F
avg high / low
Summer (Jun–Aug)
91°/76°F
avg high / low
Fall (Sep–Nov)
85°/68°F
avg high / low
Winter (Dec–Feb)
73°/55°F
avg high / low
Annual Precipitation
58.7"
Annual Snowfall
0.0"
Hot Days/Year
94
days above 90°F
Freeze Days/Year
1
days below 32°F
Rainy Days/Year
106
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 71°F | 53°F | 2.65" |
| Feb | 74°F | 56°F | 2.62" |
| Mar | 78°F | 59°F | 2.52" |
| Apr | 83°F | 65°F | 2.55" |
| May | 88°F | 71°F | 2.60" |
| Jun | 91°F | 75°F | 7.37" |
| Jul | 91°F | 77°F | 7.75" |
| Aug | 91°F | 77°F | 9.03" |
| Sep | 90°F | 75°F | 6.09" |
| Oct | 86°F | 69°F | 2.34" |
| Nov | 79°F | 61°F | 1.40" |
| Dec | 74°F | 56°F | 2.56" |
Healthcare
Hospitals, ratings, and health insurance in Lutz
Uninsured
5.4%
of residents
No hospitals inside Lutz's limits — nearest hospitals · within 15 miles
Adventhealth Tampa
Acute Care Hospitals · ER available · 6.1 mi away · Tampa
Tampa VA Medical Center
Acute Care - Veterans Administration · ER available · 6.3 mi away · Tampa
Adventhealth Wesley Chapel
Acute Care Hospitals · ER available · 7.2 mi away · Wesley Chapel
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education15.8:1 student/teacher ratio
Schools and degree attainment in Lutz
Lutz's student/teacher ratio is 15.8:1, close to the national average of 16:1, and 49.6% of adults 25+ hold a bachelor's degree or higher.
Public Schools
5
within city limits
Private Schools
3
within city limits
College Degree Rate
49.6%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
15.8:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges Near Lutz (within 15 miles)
Public · 4-year · 37,207 students · in-state tuition $6,410 · 75% graduate · median earnings $63,660 (10 yrs after entry)
Private nonprofit · 4-year · 10,572 students · in-state tuition $35,744 · 64% graduate · median earnings $69,272 (10 yrs after entry)
Private for-profit · 4-year · 1,107 students · in-state tuition $13,920 · 20% graduate · median earnings $44,016 (10 yrs after entry)
Private nonprofit · 4-year · 588 students · in-state tuition $21,628 · 56% graduate · median earnings $52,207 (10 yrs after entry)
Private for-profit · 4-year · 388 students · in-state tuition $18,145 · 45% graduate · median earnings $39,314 (10 yrs after entry)
Arizona College of Nursing-Tampa
14 mi awayPrivate for-profit · 4-year · 335 students · in-state tuition $23,213 · median earnings $41,223 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: De Soto National Memorial, 45 mi
Nearby national parks, recreation areas and public libraries for Lutz
Lutz has 1 nearby national park or recreation area, closest being De Soto National Memorial (45 mi away).
Nearby National Parks & Recreation Areas
De Soto National Memorial
National Memorial
45 mi awayPublic Libraries in Lutz
Lutz Branch Library
101 W. Lutz-Lake Fern Road, Lutz
Cities Near Lutz
The closest cities within 60 miles
Planning a move to Lutz?
Read our full moving guide — what it's really like to live here.
Lutz FAQ
Is Lutz, Florida affordable?⌄
Lutz's median rent is $1,823/month, which is above the national average. The median household income is $120,031/year. Median home value is $486,500.
Is Lutz, Florida safe?⌄
Lutz is policed by the Hillsborough County Sheriff's Office, whose violent crime rate across its service area was 126 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 436 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Lutz, Florida?⌄
Hillsborough County, which includes Lutz, has an unemployment rate of 4.0%, which is close to the national average of 4.3%.
What is the cost of living in Lutz, Florida?⌄
The cost of living in Lutz is primarily driven by housing. Median rent is $1,823/month and median household income is $120,031/year. The median home value is $486,500. About 60% of renters spend more than 30% of their income on housing.
How is the commute in Lutz, Florida?⌄
The average commute in Lutz is 32 minutes, which is longer than average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from