Best PlacesLutz, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Lutz, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
Lutz ranks 631st of 2,098 U.S. cities on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and car insurance costs are the weak spot.
The best neighborhoods in Lutz
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.
Lutz's strengths and weaknesses
Where Lutz ranks high
- State infrastructureBetter than 96% of cities
- Low income/sales/gas taxBetter than 95% of cities
- Internet speedBetter than 91% of cities
- Local economyBetter than 88% of cities
- Cost of living vs incomeBetter than 85% of cities
Where Lutz ranks low
- Cheap car insuranceBetter than only 8% of cities
- Disaster safetyBetter than only 9% of cities
- Heat safetyBetter than only 9% of cities
- Housing crash safetyBetter than only 15% of cities
- WalkabilityBetter than only 15% of cities
What it costs to buy a home in Lutz
A household needs to earn about $131,000 a year to comfortably buy the median Lutz home, at 20% down and today's 30-year rate. That is only a little above the area's median income of $117,029; the gap is small, which keeps homes within reach of local pay.
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 Lutz's effective rate of 0.80%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in Lutz
Lutz runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Lutz.
Who works in Lutz, and how
Work in Lutz centers on health care & social and professional & technical. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 75%
- Work from home 22%
- Transit, walk, or bike 2%
Life in Lutz
Lutz has more restaurants and bars per resident than 74% of cities and more parkland per resident than 83% of cities. The coast is about 19 minutes away. Dining, parks, and nightlife concentrates in some parts of Lutz and thins out in others, which the map shows.
What the weather is like in Lutz, month by month
Lutz sees roughly 132 pleasant days a year. July highs average about 92 degrees. January highs sit near 72, with lows near 50. The comfortable stretch runs November through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 72° | 60° | 50° |
| April | 86° | 73° | 62° |
| July | 92° | 81° | 74° |
| October | 87° | 76° | 68° |
Flying in and out of Lutz
Tampa International sits about 12 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 Lutz
Schools across Lutz average a B+, better than 75% of cities.
Top elementary schools
- Lutz Preparatory SchoolA+ · 84% proficient
- Mckitrick Elementary SchoolA+ · 80% proficient
- Chiles Elementary SchoolA+ · 73% proficient
Top middle schools
- Martinez Middle SchoolA+ · 72% proficient
- Dr. John Long Middle SchoolA+ · 70% proficient
- Charles S. Rushe Middle SchoolA · 65% proficient
Top high schools
- Steinbrenner High SchoolA · 73% proficient
- Wiregrass Ranch High SchoolA · 69% proficient
- Sunlake High SchoolA− · 67% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Lutz school and its grade on SchoolGrade.
Lutz 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 Lutz against the other 2,097 cities.
Who Lutz suits
Remote workers
Cost of living against local pay beats 85% of cities, internet is fast and widely advertised, and 22% already work from home.
Retirees
The weather beats 76% of cities, health care access beats 64%, and it is quieter than 76%.
Common questions about living in Lutz
Is Lutz a good place to live?
Using BestNeighborhood's default rankings, Lutz ranks 631st of 2,098 cities. It scores highest on state infrastructure, low taxes, and fast internet, and lowest on car insurance costs and disaster risk. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Lutz expensive to live in?
The median home is worth $499,400. The overall cost of living runs about 8% below the national average. Set against a $117,029 median income, cost of living beats 85% of cities.
Is Lutz safe?
Yes, Lutz is safer than 75% of cities. Safety varies a lot by neighborhood. Crime costs an estimated $168 per resident a year.
What is the weather like in Lutz?
July highs average about 92 degrees, and January highs near 72 with lows near 50. That works out to about 132 pleasant days a year, more than 76% of cities.
Is Lutz good for families?
Schools beat 75% of cities, crime safety beats 75%, and childcare runs $958 a month.
Compare Lutz with other cities
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Lutz. Scores are absolute rather than ranked, which means a 60 in Lutz 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.
Lutz detail on BestNeighborhood maps:
- Walk Grade for Lutz: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Lutz: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Lutz: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Lutz: carrier by carrier coverage behind the cell score.
Lutz 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.