Quick Answer
Holiday offers some of the lowest housing costs in the Tampa Bay metro, with median non-waterfront home prices around $220K-$250K. Monthly ownership costs on a $250K home run approximately $1,800-$2,200 all-in depending on insurance. No Florida state income tax. Call Barrett at (813) 733-7907 for property-specific cost estimates.
Holiday FL Housing Costs
Holiday is the most affordable community in west Pasco County. Housing is your largest monthly cost variable, and Holiday's entry-level prices are notably below comparable suburban communities in Pinellas County to the south. Use our mortgage calculator to estimate monthly payments at any price point.
| Price Point | Down Payment (20%) | Loan Amount | Est. P+I/mo | Property Tax/mo | HO Insurance/mo | Total Est./mo |
|---|---|---|---|---|---|---|
| $200,000 (inland 34690) | $40,000 | $160,000 | ~$1,050 | ~$250 | ~$160 | ~$1,460 |
| $275,000 (typical non-waterfront) | $55,000 | $220,000 | ~$1,450 | ~$360 | ~$200 | ~$2,010 |
| $375,000 (Anclote area median) | $75,000 | $300,000 | ~$1,975 | ~$500 | ~$280 | ~$2,755 |
| $450,000 (Baileys Bluff median) | $90,000 | $360,000 | ~$2,370 | ~$600 | ~$360 | ~$3,330 |
| $550,000 (waterfront/Gulf access) | $110,000 | $440,000 | ~$2,900 | ~$730 | ~$550 | ~$4,180 |
* Estimates use 20% down. P+I based on approximate current rates; actual rate varies by lender and creditworthiness. Property tax estimated with Pasco County ~16 mills and $50K homestead exemption. Insurance estimates for inland properties; coastal/waterfront insurance runs higher. Flood insurance not included above for Zone AE properties.
Property Taxes in Holiday FL
Pasco County's combined millage rate is approximately 16 mills. This includes county operating costs, Pasco County Schools, and special district levies. For primary residents who homestead, Florida's $50,000 homestead exemption reduces assessed value, and the Save Our Homes cap limits annual assessment increases to 3 percent after the first homestead year. See the Holiday FL property taxes guide for a full price-point table.
Homeowners Insurance in Holiday FL
Inland Properties (34690 ZIP)
Inland Holiday homes are generally in Flood Zone X and not on the coast, which reduces insurance complexity. Standard homeowners insurance for a well-maintained 3BR home valued at $200K-$280K typically runs $1,800-$3,500 per year in the current Florida market. Roof age is the biggest factor: a roof 15 years or older can trigger surcharges, non-renewals, or high-risk placement. Homes with newer roofs (2018 or later) command significantly better rates.
Coastal Properties (34691 ZIP)
Coastal Holiday properties face higher insurance costs. Wind coverage in west Pasco County runs $2,000-$5,000+ per year for a $350K-$500K home. Citizens Insurance (the state insurer of last resort) is an option but has restrictions and is more expensive than standard carriers for most buyers. The private insurance market has improved somewhat in 2025-2026 with some new carriers entering Florida, so comparison shopping is worthwhile.
Flood Insurance
Flood insurance is separate from homeowners insurance in Florida. NFIP (National Flood Insurance Program) and private flood carriers both operate in the area. Zone X properties: flood insurance is optional and typically $500-$900/yr for a basic NFIP policy. Zone AE properties: flood insurance is required for federally backed mortgages; costs vary widely based on elevation and coverage, ranging from $1,200 to $4,000+ per year. Always request an elevation certificate for any Zone AE property before purchasing.
Utilities in Holiday FL
Electric Utility
Holiday is served by Duke Energy Florida. Monthly electric bills for a typical 1,500-2,000 square foot home range from $120-$220 during winter months and $200-$350 during summer months (July-September peak air conditioning season).
Water and Sewer
Most of Holiday has city water and sewer through Pasco County utilities. Monthly water and sewer for a typical household runs $70-$120 per month depending on usage. A few older or rural edge properties may have private wells and septic systems; confirm utility connection type for any property you consider.
Everyday Living Costs
Groceries and Shopping
Holiday has Publix, Winn-Dixie, Walmart, and Dollar stores along the US-19 corridor. Prices are consistent with the Tampa Bay metro average. The closest Costco is in Clearwater, approximately 17 miles south. Larger shopping centers in New Port Richey and Tarpon Springs are 10-15 minutes away.
No State Income Tax
Florida has no state income tax. For a household earning $100,000/year relocating from a 5-6% state income tax state (California, New York, New Jersey), this represents a $5,000-$6,000 annual savings that effectively offsets a meaningful portion of the higher insurance costs in coastal Florida.
Healthcare Costs
Pasco County has medical facilities along the US-19 corridor including HCA Medical Center of Trinity and various outpatient facilities in New Port Richey. For specialized care, Tampa's large hospital systems are accessible on the US-19 / I-275 corridor. Healthcare costs in the Holiday area are consistent with the broader Florida average.
Looking for Homes in Holiday?
Barrett Henry, Broker Associate at REMAX Collective. 23+ years of real estate experience.
Contact BarrettCall (813) 733-7907Related: Holiday FL property taxes guide | Holiday homes for sale | Holiday investment property | Holiday real estate guide
Frequently Asked Questions
Is Holiday FL cheap to live in?
Holiday is one of the most affordable communities in the Tampa Bay metro area. Home prices are the lowest in west Pasco County, and Pasco County property taxes, while slightly higher than Pinellas County, are manageable. The biggest cost variables are homeowners insurance (affected by age of home and roof) and flood insurance for coastal properties. No Florida state income tax is a significant offset.
What are property taxes in Holiday FL?
Pasco County's combined millage rate is approximately 16 mills. At that rate, a $250,000 home with a $50,000 homestead exemption has a taxable value of $200,000 and pays roughly $3,200 per year. See the Holiday FL property taxes guide for a full breakdown at multiple price points.
How much does flood insurance cost in Holiday FL?
Flood insurance cost depends heavily on flood zone and property elevation. Zone X properties can obtain preferred-rate NFIP policies starting around $500-$900 per year. Zone AE properties without high elevation above base flood elevation can run $1,500-$4,000+ per year through NFIP or the private market. Get an elevation certificate for any Zone AE property before purchasing.
What is the average rent in Holiday FL?
Single-family homes in Holiday rent for approximately $1,500-$2,200 per month depending on size and location. Apartments and condos in the area average $1,050-$1,440 per month as of 2026. Coastal and Gulf-access rentals command a premium, particularly during winter months when snowbird demand increases.
How does the cost of living in Holiday compare to Clearwater?
Holiday has significantly lower housing costs than Clearwater. A comparable home in Clearwater or Dunedin can cost $150,000-$250,000 more than the same footprint in Holiday. However, Clearwater carries Pinellas County school access, a more walkable lifestyle, and closer proximity to beaches. The cost difference is real, as are the trade-offs.
About Barrett Henry: Licensed REALTOR and Broker Associate with REMAX Collective. 23+ years of real estate experience. Learn more
