46,893 of Pasco County’s 271,844 housing units, 17.2%, are manufactured homes. Detached houses are 63.6%, 172,786 units, attached villas, townhouses and duplex halves 6.4%, and apartment and condominium buildings of five or more units run from 1.6% to 2.9% by size class.
Three decades stand out: 19.5% of Pasco’s housing dates from the 1970s, 19.1% from the 1980s and 20.7% from the 2000s, with the 1990s at 14.3% and the 2010s at 12.3%. The median unit is from 1992, 28.2% predates 1980, 38.4% has gone up since 2000, and 5.4% since 2020.
The county sits north of Pinellas and Hillsborough and has historically been a bedroom community for Tampa and St. Petersburg. West Pasco, along the Gulf and U.S. 19, includes retirement areas, commercial fishing and suburbs of Tampa; growth began on the Gulf coast in the 1970s and has since reached the areas north of Tampa, where the Suncoast Parkway, U.S. 41 and Interstate 75 run. Owners occupy 75.7% of occupied homes, 35,681 units (13.1%) stand vacant or seasonal, and electricity heats 90.8% of occupied homes. Three of the six towns below have a page of their own that carries the detail; the other three are covered here.
The Pasco County towns we work in
The towns with a page of their own are linked; each of those pages carries that town’s own figures.
- Holiday — 46.5% of its housing built in the 1970s, a 1977 median and 16.4% manufactured homes.
- Hudson — 26.5% manufactured homes, 61.8% detached houses, 26.7% vacant or seasonal and a 1984 median.
- Land O' Lakes — 34.5% of its housing built in the 2000s, 47.5% since 2000 and a 1999 median.
- New Port Richey — 30.6% of its housing built in the 1980s alone, a 1980 median and 14.5% manufactured homes.
- Wesley Chapel — 73.0% of its housing built since 2000, a 2006 median and 13.6% attached homes.
- Zephyrhills — 26.8% manufactured homes, 38.4% of its housing built since 2000 and a 1990 median.
We work as well in Bayonet Point, Beacon Square, Elfers, Jasmine Estates, New Port Richey East, Port Richey, Zephyrhills South and Zephyrhills West, which have no page of their own.
The houses across Pasco County
The county’s signature house is the manufactured home, and two communities lean on it hardest, 26.8% of Zephyrhills’ units and 26.5% of Hudson’s, with 16.4% of Holiday’s and 14.5% of New Port Richey’s. HUD, not the Florida Building Code, governs how they are built; the insulation lives in the floor belly and the roof cavity, often under a metal roof-over. Duke’s attic rebate excludes them. Owners decide, or the park on leased land, and each home is scoped as its own job at the estimate.
The 1960s and 70s built 25.0% of the county’s housing, much of it block ranches, and they are the largest era in Holiday at 61.4%, with the 1970s alone at 46.5%; they also built 39.1% of New Port Richey and 36.1% of Hudson. The ranches are stucco over block, with furring and drywall inside and a shallow attic under a low roof. The leak points are familiar: hollow block cores under the roof plate, the kitchen soffit chase, ceiling penetrations for lights, fans and the hatch, and an air handler return that draws from the attic. In those houses the order is a seal first and fill to R-38 or more after it.
The 1980s and 90s, 33.4% of the county, are strongest in Hudson at 52.5%, with Land O' Lakes at 40.0%, New Port Richey at 39.2% and Zephyrhills at 27.6%. Truss roofs lift the attic ceiling, the fill was usually R-19 to R-30 fiberglass, and the air handler and its ducts often sit up there. The fix begins at the ceiling plane and continues with a deeper layer toward ENERGY STAR’s R-49 or with foam at the roof deck.
Since 2000 Pasco has built 38.4% of its housing. The share is 73.0% in Wesley Chapel and 47.5% in Land O' Lakes, against 9.9% in New Port Richey, and Zephyrhills sits at 38.4%, level with the county. The newest are mostly two-story houses with bonus rooms and builder-depth fiberglass, with the ducts and often the air handler in the attic. For them the work is a seal and a top-up, sometimes a sealed attic, and a tight house is told so. Where Wesley Chapel’s attached homes, 13.6% of its units, sit under an association’s roof, the association decides first.
13.1% of the county’s units are vacant or seasonal, 26.7% in Hudson, 23.0% in Holiday and 15.7% in Zephyrhills; a house shut up for months with the thermostat set high is where humidity moves in. The Anclote and Pithlachascotee rivers are flood-prone, and in a flood zone the ground level is not where insulation goes.
We seal before we insulate
Insulation resists heat passing through a material, and it is helpless against air passing through a gap; in every Pasco house type the gaps let attic air and humidity into cooled rooms.
Each house type has its own first move. In a block ranch it is the open cores at the top of the block wall. In a 1980s truss house it is the ceiling plane and the platform under the air handler, in a two-story from the 2000s the can lights, the hatch and the duct boots, and in a manufactured home the belly and the roof cavity. After that come the soffit chase, the bath fan housings and the plumbing walls, and depth last. Where ducts leak, we seal them; any other duct repair is the air-conditioning contractor’s, in any of these houses.
If a quote specifies a depth of insulation and never mentions air sealing, it is half a job.
What insulation costs in Pasco County
Most of our projects run between $3,500 and $12,500. Pasco prices follow the attic: how big and how steep it is, how shallow, how much old fill sits in the way, whether the air handler and ducts live up there, and whether sealing the attic at the roof beats adding to the floor. A manufactured home is priced on its belly and roof cavity, and block walls enter the price only when a remodel takes the drywall down. See the insulation cost guide.
Open-cell spray foam runs R-3.9 to R-4.2 per inch and is vapor permeable, so moisture can move through it. Closed-cell spray foam runs R-6.9 to R-7.1 per inch, passes much less vapor, and costs more per inch because it uses more material. Neither foam is required to be a vapor retarder in Florida; the code’s Class II vapor-retarder rule for sealed attics applies only in Climate Zones 5 through 8.
ENERGY STAR publishes modeled averages for Climate Zone 2, where Pasco sits: a home that is sealed and insulated saves 6% of total energy costs and 9% of heating and cooling costs.
Insulation rebates in Pasco County
Pasco homes are on Duke Energy Florida, Withlacoochee River Electric or Tampa Electric — check the bill. Duke and Tampa Electric offer insulation rebates; Withlacoochee River Electric does not list one. The bill settles which rebate applies, and no utility publishes a list by town. Peoples Gas and Clearwater Gas serve parts of the county, but gas has no insulation rebate here.
If your bill says Tampa Electric, the ceiling insulation rebate is “$0.16 per square foot per R-11 insulation installed.” Tampa Electric sets the sequence: an energy analyst’s attic inspection first, then a certificate good for a year and a list of approved contractors, then the work, in which “the contractor will deduct the rebate from the total amount of the invoice,” with the application due within 90 days after installation is complete. Tampa Electric’s program rules filed with the state also require a finished attic of R-30 or more (R-20 or more where spray foam is used), electric whole-house air conditioning or heat, and a house that has not used the program before.
If your bill says Duke Energy, the attic rebate comes from Duke Energy Florida and begins with the free Home Energy Check, completed within the last 24 months. Duke’s single-family amounts are $0.25 per square foot (up to $600) to bring insulation from R-19 or less to a minimum of R-38, $0.27 per square foot (up to $700) from R-12 or less, and $0.31 per square foot (up to $800) for attics starting at R-2 or less. Among the conditions: existing insulation averaging R-19 or less, whole-house cooling or electric heat, one use per house, and no manufactured homes, which matters where they are 17.2% of the county’s units. The contractor must be, in Duke’s words, “one of our pre-qualified contractors”; the instant rebate is applied to its invoice, and a free compliance inspection follows.
Who may install differs: Duke pays only on work by a contractor from its pre-qualified list, while Tampa Electric’s rebate needs either a contractor from its list, who takes it off the invoice, or an owner who installs the insulation. Ask any installer, including us, whether they are on the right list, and ask before you sign. There is no federal homeowner tax credit for insulation installed in 2026: Section 25C ended for property placed in service after December 31, 2025, and any contractor still advertising it is wrong. Florida’s federally funded home energy rebates, HEEHR and HOMES, are not available. Our Florida rebate guide has the detail.
Code and climate in Pasco County
28.2% of Pasco County’s housing was built before 1980 and 61.6% before 2000. All three Tampa Bay counties, Pasco included, are in Climate Zone 2A, warm-humid.
One statewide book governs new work: the Florida Building Code, Energy Conservation, 8th Edition (2023), in force since December 31, 2023, with no county code layered on top. New homes and additions need R-38 in the ceiling and R-13 in wood-frame walls and raised floors, R-0 under a slab, U-0.40 and SHGC 0.25 windows, R-8 on ducts in an unconditioned attic, and R-4 or R-6 in concrete-block walls, R-4 when most of the insulation is outside the block and R-6 when most is inside. Each new home is blower-door tested at no more than 7 ACH50, with the report to the building official before the certificate of occupancy, and a home that tests under 3 ACH50 needs whole-house mechanical ventilation. The prescriptive form states “air handling units are not allowed in attics,” which applies to new work only.
Florida’s energy code sets minimums for new homes and major renovations. Adding insulation to an existing attic is your choice; the code does not require it. Reroofing alone generally does not trigger a new insulation requirement under Florida’s energy code; your building department has the final word. ENERGY STAR’s Zone 2 advice, R-49 for an uninsulated attic and R-38 on top of 3-4 inches, is a different yardstick from the new-home R-38. Florida’s 9th Edition (2026) code is scheduled to take effect December 31, 2026.
The residential code (R806.5) allows an unvented attic only under conditions; two of them are that the attic sits completely inside the thermal envelope and that no Class I vapor retarder goes on the ceiling side. Florida’s 2025 statute route for new construction, with R-20 air-impermeable insulation, a house under 3 ACH50, whole-house ventilation and all equipment and ducts inside, is never a retrofit rule, and no sealed attic comes with a promise that moisture will never be a problem. The High-Velocity Hurricane Zone is a two-county designation in South Florida, and none of Pasco, Pinellas or Hillsborough lies in it.
Permit rules vary by county and city; ask your building department, or ask us when we quote. Florida requires termite protection on new homes, and foam should not touch the soil outside.
Checked against the Florida Building Commission and the code text on October 28, 2026.
Common questions about insulation in Pasco County
Do you install insulation in Pasco County, FL?
Yes, across the county. Gulf-side block ranches, 1980s and 90s truss-roof houses and the two-stories built since 2000 are all houses we insulate, in Holiday, Hudson, Land O' Lakes, New Port Richey, Wesley Chapel, Zephyrhills and the places between. Manufactured homes depend on the owner or, on leased land, the park, and the estimate is where that gets settled. Apartment, condominium and villa buildings belong to their owners or associations, and that work starts with them.
How much does insulation cost in Pasco County?
Most of our projects fall between $3,500 and $12,500. Pasco’s house types price differently: a block ranch’s shallow attic is mostly sealing and fill, a 1980s truss house or newer two-story turns on how big its attic is and whether the air handler lives up there, and a manufactured home is measured by its belly and roof cavity. Foam sealing the roof deck prices differently from more fill on the floor. Every price is written, after a free walk-through.
Are there insulation rebates in Pasco County?
The electric bill decides. A Tampa Electric account opens the ceiling insulation rebate; a Duke Energy account opens the attic rebate, after a free Home Energy Check, and it excludes manufactured homes; Withlacoochee River Electric does not list an insulation rebate. Duke requires its pre-qualified contractors and Tampa Electric a listed contractor or owner installation, so ask any installer, including us, whether they are on the right list. There is no federal homeowner tax credit for insulation installed in 2026.
Which utility do I have in Pasco County?
Pasco homes are on Duke Energy Florida, Withlacoochee River Electric or Tampa Electric, and the name on the electric bill settles it, because no utility publishes a town-by-town list. For gas, Peoples Gas names Dade City, Hudson, Land O' Lakes, New Port Richey, Odessa, Port Richey, St. Leo, San Antonio, Wesley Chapel and Zephyrhills, and Clearwater Gas serves parts of the county; gas has no insulation rebate in any of them.
Free estimate in Pasco County
Our free estimate is our own walk-through, not a utility’s. In a block ranch we begin at the hatch and the top of the block wall; in a truss-roof or two-story house, at the ceiling plane, the air handler and the ducts; in a manufactured home, under the floor and in the roof cavity. Any Florida room and any sign of moisture on the ceilings get a look too. Neither Duke’s Home Energy Check nor Tampa Electric’s no-cost in-home audit by its energy analyst is part of it, and no rebate depends on it. The scope and the price come to you in writing.
Call 914-554-2289 or use the contact form. Our Florida branch covers Hillsborough, Pinellas and Pasco counties. The Home Insulators is a family-owned company that has been insulating homes in the Northeast since 2015. Our own crew does the work and we never subcontract it.
Get my free estimateor call 914-554-2289, 8am–8pm every day