Best Places33545, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 33545, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
33545 ranks 4,000th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on a strong job market by a wide margin, and disaster risk is the weak spot.
The best neighborhoods in 33545
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
33545's strengths and weaknesses
Where 33545 ranks high
- Local economyBetter than 98% of zip codes
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Cost of living vs incomeBetter than 95% of zip codes
- Internet speedBetter than 95% of zip codes
Where 33545 ranks low
- Disaster safetyBetter than only 5% of zip codes
- Cheap car insuranceBetter than only 5% of zip codes
- Short commute32.8 minutes each way, better than only 17% of zip codes
- Heat safetyBetter than only 18% of zip codes
- Healthcare accessBetter than only 23% of zip codes
What it costs to buy a home in 33545
A household needs to earn about $106,000 a year to comfortably buy the median 33545 home, at 20% down and today's 30-year rate. That is below the area's own median income of $118,930, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 33545's effective rate of 0.96%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 5 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 33545
33545 runs younger than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 33545.
Who works in 33545, and how
Work in 33545 centers on health care & social and retail trade. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 70%
- Work from home 27%
- Transit, walk, or bike 3%
Life in 33545
33545 has fewer places to eat and drink per resident than most zip codes. The coast is about 30 minutes away. That concentrates in some parts of 33545 and thins out in others, which the map shows.
What the weather is like in 33545, month by month
33545 sees roughly 101 pleasant days a year. July highs average about 92 degrees. January highs sit near 71, with lows near 47. The comfortable stretch runs October through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 71° | 58° | 47° |
| April | 85° | 71° | 59° |
| July | 92° | 80° | 71° |
| October | 86° | 74° | 66° |
Flying in and out of 33545
Tampa International sits about 24 miles away. It is a large hub and boarded 12.1 million passengers in 2025, with 135 nonstop destinations.
The best schools in and around 33545
Schools across 33545 average a B+, better than 78% of zip codes.
Top elementary schools
- Wesley Chapel Elementary SchoolA · 67% proficient
- Innovation Preparatory AcademyA− · 60% proficient
- Watergrass Elementary SchoolA− · 56% proficient
Top middle schools
- Thomas E. Weightman Middle SchoolB+ · 52% proficient
- Raymond B. Stewart Middle SchoolC · 33% proficient
Top high schools
- Wesley Chapel High SchoolA− · 61% proficient
- Zephyrhills High SchoolB− · 43% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 33545 school and its grade on SchoolGrade.
33545 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 33545 against the other 33,109 zip codes.
Who 33545 suits
Remote workers
Cost of living against local pay beats 95% of zip codes, internet is fast and widely advertised, and 27% already work from home.
Common questions about living in 33545
Is 33545 a good place to live?
Using BestNeighborhood's default rankings, 33545 ranks 4,000th of 33,110 zip codes. It scores highest on a strong job market, state infrastructure, and low taxes, and lowest on disaster risk and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 33545 expensive to live in?
The median home is worth $398,749. The overall cost of living runs about 13% below the national average. Set against a $118,930 median income, cost of living beats 95% of zip codes.
Is 33545 safe?
Yes, 33545 is safer than 93% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $125 per resident a year.
What is the weather like in 33545?
July highs average about 92 degrees, and January highs near 71 with lows near 47. That works out to about 101 pleasant days a year, more than 65% of zip codes.
Is 33545 good for families?
Schools beat 78% of zip codes, crime safety beats 93%, and childcare runs $900 a month.
Compare 33545 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 33545. Scores are absolute rather than ranked, which means a 60 in 33545 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
33545 detail on BestNeighborhood maps:
- Walk Grade for 33545: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 33545: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 33545: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 33545: carrier by carrier coverage behind the cell score.
33545 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.