Pebble Creek, FL — City Data, Demographics & Statistics
Hillsborough County · Florida
City DNA
A unique fingerprint for Pebble Creek based on 8 key metrics — compared to averages.
Quick Stats
Population
10,719
2023 ACS
Median Income
$109,375
2023
Median Home Value
$384,500
2023
Median Rent
$2,189
2023
Median Age
40.2
Unemployment
2.2%
Cost of Living Index
167.9
100 = national avg
Pebble Creek is a city in Hillsborough County, Florida, with a population of 10,719 according to the 2023 American Community Survey. Pebble Creek is one of the communities in Florida.
The median household income in Pebble Creek is $109,375, and the median home value is $384,500. The cost of living index is 167.9 (where 100 = national average), and the median rent is $2,189 per month. The unemployment rate is 2.2%, and the median age is 40.2 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
10,719
Male
5,234
48.8%
Female
5,485
51.2%
Median Age
40.2
Age Distribution
Education & Household
Bachelor's or Higher
33.8%
High School or Higher
45.5%
Foreign Born
26.2%
Veterans
5.0%
Married
45.2%
Avg Household Size
2.9
Marital Status by Age
Race & Ethnicity
Diversity Index
0.644
Simpson's Index (0-1)
Largest Group
White
45.7%
Foreign Born
26.2%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
24.5%
2,622 people
Not Hispanic/Latino
75.5%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Asian Detail
Source: U.S. Census Bureau ACS (2023)Native Hawaiian & Pacific Islander Detail
Source: U.S. Census Bureau ACS (2023)American Indian & Alaska Native Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
9,899
English Only
55.6%
#1 Non-English Language
Spanish
2,033 speakers
Limited English
7.4%
Language Distribution
English Proficiency
Speaks English Very Well
92.6%
Limited English Proficiency
7.4%
Veterans & Military
Total Veterans
535
5.0% of population
Disability Rate
24.9%
133 with disability
Veteran Median Income
$77,986
Period of Service
Veteran Age Distribution
Male Veterans
516
96.4%
Female Veterans
19
3.6%
Veteran vs Non-Veteran Income
Veteran Income
$77,986
Non-Veteran Income
$60,938
Difference
$17,048
28.0% higher
Disability Status
With Disability
133
Without Disability
402
Disability Rate
24.9%
Ancestry & Heritage
Total Reporting Ancestry
6,405
#1 Ancestry
English
10.8% (1,163)
#2 Ancestry
German
8.2% (877)
#3 Ancestry
Italian
8.0% (862)
Top 20 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
3,645
Family Households
2,717
74.5%
Married Couples
2,283
62.6%
Non-Family Households
928
25.5%
Single Mother Households
317
8.7%
Single Father Households
117
3.2%
Living Alone
784
21.5%
Children Under 18
Total Children
2,962
In Married Couple
2,425
81.9%
With Single Mother
396
13.4%
With Single Father
141
4.8%
Family Income
Median Family Income
$126,215
Married Couple Income
$133,699
Single Mother Income
$70,827
Avg Family Size
2.9
Avg Non-Family Size
3.3
Grandparents w/ Grandchildren
404
Grandparents Responsible
176
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$109,375
+49% vs national
Per Capita Income
$43,122
+16% vs national
Poverty Rate
5.6%
-59% vs national
Gini Index
0.3551
0 = perfect equality
Unemployment
2.2%
-57% vs national
SNAP Recipients
2.3%
of households
How Pebble Creek Compares
Pebble Creek vs Similar Cities
Compared to cities with 10,000 - 25,000 residents. Pebble Creek is highlighted.
Median Household Income
Pebble Creek, FL has a median household income of $109,375, making it the 3,692nd highest median household income out of 28,123 cities in our database. This means that Pebble Creek has a higher median household income than 87% of all the cities we measured.
Per Capita Income
Pebble Creek, FL has a per capita income of $43,122, making it the 6,958th highest per capita income out of 28,123 cities in our database. This means that Pebble Creek has a higher per capita income than 75% of all the cities we measured.
Poverty Rate
Pebble Creek, FL has a poverty rate of 5.6%, making it the 22,945th highest poverty rate out of 31,262 cities in our database. This means that Pebble Creek has a higher poverty rate than 27% of all the cities we measured.
Unemployment Rate
Pebble Creek, FL has a unemployment rate of 2.2%, making it the 20,034th highest unemployment rate out of 31,012 cities in our database. This means that Pebble Creek has a higher unemployment rate than 35% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Pebble Creek. The median household income here is $109,375.
Income Distribution
Employment Snapshot
Unemployment Rate
2.2%
-54% vs FL avg
Labor Force
5,577
Employed
5,441
Mean Commute
18 min
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
33.8%
of adults 25+
High School Diploma+
45.5%
of adults 25+
Median Age
40.2
Work from Home
34.3%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the Tampa-St. Petersburg-Clearwater, FL metro area
Highest-Paying Job
Software Developers
Top Median Wage
$126.4K
per year
Occupations Tracked
20
Cost of Living
Overall Index
167.9
100 = national avg
+67.9 vs national average
Living Wage (1 Adult)
$73,862
per year
Living Wage (Family of 4)
$174,582
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$1,696
per month
2 Bedroom
$1,977
per month
The median household income in Pebble Creek, FL is $109,375, which is 49.4% above the national average of $73,224. Per capita income is $43,122. The poverty rate of 5.6% is lower than the FL state average of 13.5%. The Gini index of income inequality is 0.3551, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 2.2%, compared to the state average of 4.9%. The labor force is 5,577. 33.8% of adults hold a bachelor's degree or higher. The average commute time is 18 minutes, with 34.3% working from home. About 58.0% of workers drive alone to work. The overall cost of living index is 167.9, which is 67.9% above the national average. Housing costs are above the national average at an index of 223.2. A single adult needs to earn approximately $73,862 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotRedfin — January 2026
Median Sale Price
$348,750
Median List Price
$439,500
Price Per Sq Ft
$175
Days on Market
185
Active Inventory
30
Months of Supply
15.0
Buyer's market
Zillow Home Value
$430,240
ZHVI — January 2026
Zillow Rent Index
$2,250
ZORI — January 2026
Market CompetitivenessRedfin
Sold Above List
0.0%
Off Market in 2 Weeks
14.3%
Sale-to-List Ratio
96.1%
Buyer's market
Price TrendsRedfin
Market ActivityRedfin
Homes Sold
2
New Listings
10
Pending Sales
14
Price Per Square FootRedfin
Median Sale $/SF
$175
Median List $/SF
$180
Pebble Creek vs Similar CitiesCensus ACS / Redfin
Compared to cities with 10,000 - 25,000 residents. Pebble Creek is highlighted.
Median Home Value
Pebble Creek, FL has a median home value of $384,500, making it the 4,787th highest median home value out of 27,993 cities in our database. This means that Pebble Creek has a higher median home value than 83% of all the cities we measured.
Median Rent
Pebble Creek, FL has a median rent of $2,189, making it the 1,191st highest median rent out of 22,337 cities in our database. This means that Pebble Creek has a higher median rent than 95% of all the cities we measured.
Median Price Per Sq Ft
Pebble Creek, FL has a price per square foot of $175, making it the 10,150th highest price per square foot out of 20,748 cities in our database. This means that Pebble Creek has a higher price per square foot than 51% of all the cities we measured.
Rent Burden
Pebble Creek, FL has a rent burden of 24.0%, making it the 4,197th highest rent burden out of 21,928 cities in our database. This means that Pebble Creek has a higher rent burden than 81% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$384,500
Median Rent
$2,189
Total Housing Units
3,675
Vacancy Rate
0.8%
Owner Occupied
75.9%
Renter Occupied
24.1%
Median Property Tax
$4,124
per year
Monthly Cost (w/ Mortgage)
$1,613
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$4,124
per year
Effective Tax Rate
1.07%
of home value
Median Home Value
$384,500
Estimated Mean Tax
$4,076
The effective property tax rate is calculated by dividing the median annual property tax ($4,124) by the median home value ($384,500). In Pebble Creek, FL, this works out to an effective rate of 1.07%. This is below the national average of approximately 1.1%.
The current median sale price in Pebble Creek, FL is $348,750 according to Redfin data. Homes spend a median of 185 days on the market. 0.0% of homes sold above asking price. The market has 15.0 months of supply. The median price per square foot is $175. Zillow's observed rent index is $2,250/month. About 75.9% of housing units are owner-occupied. The median year homes were built is 2002. There are 3,675 total housing units. Homeowners pay a median annual property tax of $4,124. The effective tax rate is 1.07%, below the national average.
Crime data is not yet available for Pebble Creek. The FBI UCR/NIBRS program does not cover all jurisdictions.
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
98.8
Relatively High
Expected Annual Loss
99.0
Score (0-100)
Social Vulnerability
36.4
Score (0-100)
Community Resilience
33.2
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
47
Public Assistance
$282.7M
Individual Assistance
$61.0M
Most Common Type
Hurricane
21 declarations
Public Assistance by Category
| Disaster | Type | Date | PA $ | IA $ |
|---|---|---|---|---|
| Hurricane Milton → | Hurricane | Oct 2024 | $125.3M | $26.9M |
| Hurricane Milton → | Hurricane | Oct 2024 | — | — |
| Hurricane Helene → | Hurricane | Sep 2024 | $2.9M | $8.2M |
| Tropical Storm Helene → | Tropical Storm | Sep 2024 | — | — |
| Hurricane Debby → | Tropical Storm | Aug 2024 | $376K | $908K |
| Tropical Storm Debby → | Tropical Storm | Aug 2024 | — | — |
| Hurricane Idalia → | Hurricane | Aug 2023 | $8.7M | $397K |
| Tropical Storm Idalia → | Tropical Storm | Aug 2023 | — | — |
| Hurricane Nicole → | Hurricane | Dec 2022 | $100K | — |
| Tropical Storm Nicole → | Tropical Storm | Nov 2022 | — | — |
| Hurricane Ian → | Hurricane | Sep 2022 | $36.0M | $7.2M |
| Tropical Storm Ian → | Hurricane | Sep 2022 | — | — |
| Tropical Storm Elsa → | Severe Storm | Jul 2021 | $70K | — |
| Hurricane Eta → | Hurricane | Nov 2020 | $127K | — |
| Covid-19 Pandemic → | Biological | Mar 2020 | $40.3M | $3.1M |
| Covid-19 → | Biological | Mar 2020 | — | — |
| Hurricane Dorian → | Hurricane | Aug 2019 | — | — |
| Hurricane Michael → | Hurricane | Oct 2018 | — | — |
| Hurricane Irma → | Hurricane | Sep 2017 | $35.5M | $9.9M |
| Hurricane Irma → | Hurricane | Sep 2017 | — | — |
Showing 20 of 56 disasters
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
18,537
Total Claims Paid
$1,174,202,946
Avg Claim Payout
$63,344
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
26
Federal Funding
$1,346,549
Properties Protected
13
Avg Benefit-Cost Ratio
4.13
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 205.8: Retrofitting Public Structures - Wind | 7 | $255,400 |
| 207.2: Mitigation Reconstruction | 5 | $641,349 |
| 601.2: Generators - Regular | 3 | $0 |
| 205.8: Retrofitting Public Structures - Wind; 601.2: Generators - Regular | 3 | $0 |
| 95.1: FMA or CRS Plan | 2 | $0 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Pebble Creek has a relatively high overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are lightning, tornado, cold wave. The area has had 47 federal disaster declarations. The most common disaster type is hurricane (21 declarations). 18,537 flood insurance claims have been filed in the area. FEMA has obligated $282,695,482 in public assistance recovery funding. $61,004,836 has been distributed in individual assistance to disaster-affected residents. 26 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
26.6%
9.5pp below the national average
Depression Rate
15.1%
8.4pp below the national average
Diabetes Rate
10.4%
1.5pp below the national average
Uninsured Rate
10.4%
near the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
39.2%
Arthritis
20.0%
Cancer (excl. skin)
7.1%
Teeth Lost (65+)
9.0%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
14.1%
14+ days in past month
Depression
15.1%
Loneliness
—
Lack of Support
—
Disability Prevalence
Any Disability
23.0%
Mobility
9.6%
Cognitive
10.4%
Hearing
4.9%
Vision
3.8%
Self-Care
2.5%
Independent Living
5.4%
Pebble Creek has an obesity rate of 26.6%, which is 9.5pp below the national average. The depression rate is 15.1%, 8.4pp below the national average. About 10.4% of adults lack health insurance. 77.5% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
4
Avg CMS Rating
4.0 / 5
Nearest Hospital
3.5 mi
North Tampa Behavioral Health
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| North Tampa Behavioral Health | 3.5 mi | Psychiatric | — | — |
| Adventhealth Wesley Chapel | 6.3 mi | Acute Care Hospitals | 4/5 | Yes |
| Baycare Hospital Wesley Chapel | 6.3 mi | Acute Care Hospitals | — | Yes |
| Adventhealth Tampa | 8.3 mi | Acute Care Hospitals | 3/5 | Yes |
| Florida Hospital Zephyrhills | 9.0 mi | Acute Care Hospitals | 5/5 | Yes |
Infrastructure
Commute Overview2023 ACS
Mean Commute
18 min
-22% vs national
Drive Alone
58.0%
-26% vs national
Work From Home
34.3%
+269% vs national
Carpool
4.3%
Walk
3.4%
How Pebble Creek's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
The average commute in Pebble Creek, FL is 18 minutes, which is 21.8% below the national average of 23 minutes. 58.0% of workers drive alone, compared to the national average of 78.7%. 34.3% work from home, which is above the FL state average of 13.8%. 4.3% of workers carpool. 3.4% walk to work.
Internet & Broadband Access
Source: Census ACSBroadband Access
99.2%
of households
Cable / Fiber / DSL
93.1%
of households
No Internet
0.3%
of households
Total Households
3,645
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
100.0%
of households
Smartphone
98.1%
of households
Desktop / Laptop
97.5%
of households
Tablet
79.7%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
14.1¢
per kWh
-26% vs 10,000 - 25,000 avg
Commercial Rate
11.0¢
per kWh
-29% vs 10,000 - 25,000 avg
Industrial Rate
8.5¢
per kWh
-28% vs 10,000 - 25,000 avg
Avg Monthly Bill
$156
residential
+6% vs 10,000 - 25,000 avg
17% below the national average of 17.1¢/kWh
Residential electricity in Florida averages 14.1¢ per kWh, compared to the national average of 17.1¢. The average monthly electric bill is $156. State-level averages from EIA Electric Sales & Revenue data (2024).
Pebble Creek vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (10,000 - 25,000). Each city represents its state's average rate.
Residential Rate (¢/kWh)
Commercial Rate (¢/kWh)
Industrial Rate (¢/kWh)
Average Monthly Bill
99.2% of households in Pebble Creek have broadband internet access. 93.1% have cable, fiber, or DSL service. 5.4% rely solely on cellular data without a wired connection. 0.3% of households have no internet access.
Politics & Government
County-level data: Election results are reported at the county level. Pebble Creek is located in Hillsborough County, FL. Results reflect all voters in the county, not just those in Pebble Creek.
Election Overview
Source: Hillsborough County (2024)2024 Winner
Republican
Dem Votes
321,455
47.8%
GOP Votes
342,017
50.9%
Total Votes
671,981
Margin
R+3.1%
Shift from 2020
R+9.9pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 321,455 | 342,017 | 671,981 | 47.8% | 50.9% | R+3.1 |
| 2020 | 376,367 | 327,398 | 712,063 | 52.9% | 46.0% | D+6.9 |
| 2016 | 306,422 | 265,928 | 595,072 | 51.5% | 44.7% | D+6.8 |
In the 2024 presidential election, Hillsborough County recorded 671,981 total votes. Republicans won the county with 50.9% of the vote compared to 47.8% for Democrats, a margin of R+3.1%. Compared to 2020, the margin shifted R+9.9pp from the previous election. Since 2016, Hillsborough County has shifted 9.9 percentage points toward Republicans.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
2
Total Approved
$215K
Jobs Supported
16
Per 10K Residents
1.9
SBA loans
-97.5% vs peers avg
Unique Lenders
2
Top Lender
SouthState Bank, National Association
1 loans
Top Industry
Accommodation & Food Services
Data Span
2019–2025
Loan Program Breakdown
Source: SBA FOIALoans
2
Total Amount
$215K
Avg Loan
$107,500
Median Loan
$107,500
SBA Guaranteed
$167K(78%)
Jobs Supported
16
Recent Activity (Last 5 Years)
Source: SBA FOIARecent Loans
1
50% of all-time total
Recent Amount
$55K
26% of all-time total
Avg Recent Loan
$55,000
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population 10,000 - 25,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| Cappys Tampa Palms Llc | 1 | $160K |
| A Holistic Therapy Group Llc | 1 | $55K |
Pebble Creek, FL has received 2 SBA loans totaling $215K in approved funding between 2019 and 2025. The 7(a) program accounts for 2 loans (100% of the total), supporting 16 jobs. The most common industry receiving SBA funding is Accommodation & Food Services. The most active SBA lender in Pebble Creek is SouthState Bank, National Association with 1 loans. That works out to 1.9 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
15
Total Population
441,738
Avg Median Income
-$44,369,036
Avg Home Value
-$44,148,344
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 33541 | 23,913 | $55,556 | $111,300 | $1,243 | 23.8 |
| 33543 | 37,473 | $107,565 | $365,000 | $2,138 | 26.3 |
| 33544 | 28,612 | $103,134 | $399,200 | $1,926 | 28.8 |
| 33545 | 27,536 | $108,835 | $363,000 | $2,196 | 26.6 |
| 33548 | 8,678 | $124,548 | $523,000 | $1,805 | 7.6 |
| 33549 | 18,816 | $85,066 | $339,400 | $1,582 | 12.2 |
| 33559 | 19,147 | $78,264 | $343,700 | $1,421 | 11.9 |
| 33592 | 11,931 | $65,683 | $247,900 | $1,134 | 53.1 |
| 33612 | 49,899 | $43,919 | $249,600 | $1,259 | 9.9 |
| 33613 | 37,212 | $44,642 | $219,700 | $1,178 | 7.5 |
| 33617 | 47,880 | $48,651 | $267,200 | $1,337 | 8.8 |
| 33620 | 6,819 | N/A | N/A | N/A | 0.9 |
| 33637 | 17,785 | $60,526 | $213,800 | $1,531 | 7.8 |
| 33647 | 74,919 | $104,775 | $437,600 | $1,784 | 32.4 |
| 34639 | 31,118 | $99,959 | $361,100 | $1,949 | 27.1 |
Pebble Creek, FL has 15 ZIP codes with a combined population of 441,738. The average median household income across all ZIP codes is -$44,369,036. The average median home value is -$44,148,344. The average median monthly rent is -$44,442,946.
Similar Cities
Cities with similar population, income, housing, crime, education, and demographic profiles.