VA Loans in 33547 — Lithia, FL
Real VA loan data for ZIP 33547 in Hillsborough County. Ranked #11 out of 25 ZIPs across Tampa Bay.
ZIP 33547 ranks #11 across Tampa Bay for VA loan originations. In 2024, 169 VA loans closed in Lithia, up 15.8% from 146 the year before. The median VA loan here is $535,000, based on federal HMDA data.
| Metric | Value |
|---|---|
| Tampa Bay Rank | #11 of 25 |
| 2024 VA Originations | 169 |
| 2023 VA Originations | 146 |
| Year-over-Year Change | +15.8% |
| Two-Year Total | 315 |
| Purchase Originations (2 yr) | 260 |
| Purchase Share | 82.5% |
| Median VA Loan | $535,000 |
| County | Hillsborough |
What the Federal Data Says About 33547
Federal HMDA data places 33547 at rank #11 across Tampa Bay with 315 VA originations over two years. The +15.8% year-over-year change tracks close to the regional average of 19.3%.
Purchase originations account for 82.5% of total VA activity in 33547. That heavy purchase skew confirms incoming buyers are driving demand — this is not a refinance-heavy ZIP.
At $535,000, the median VA loan places this ZIP among the more expensive VA markets in Tampa Bay, attracting higher-income military households.
Where Veterans Are Buying in 33547
2nd-highest median VA loan — senior officer market. These characteristics draw veterans to 33547 for reasons specific to this corridor within Hillsborough County.
As part of the MacDill AFB commuter belt with new-construction heavy development, drawing active-duty families and CENTCOM/SOCOM personnel, Lithia benefits from regional infrastructure improvements and expanding healthcare access for veteran residents.
Exploring VA Loans in Lithia?
Barrett Henry (MRP) works with VA buyers in 33547 Lithia every week. Straight answers, no sales pressure.
Who Is Using VA Loans in 33547
The 82.5% purchase share indicates that PCS buyers and first-time VA purchasers dominate activity in 33547. These are veterans actively entering the market.
The $535,000 median points to senior officer and senior NCO households. Dual-income military families are the likely core demographic at this price level.
Buying in 33547 With a VA Loan
Hillsborough County has an active VA lending community, though volume varies by ZIP. Veterans buying in 33547 should work with a lender who processes VA loans regularly. Ask prospective lenders how many VA closings they complete per month — consistency matters more than marketing claims.
Start by confirming your VA loan eligibility. Next, request your Certificate of Eligibility (COE) through eBenefits or your lender. Understand the VA funding fee and how it applies to your situation — disabled veterans are exempt. Finally, prepare for the VA appraisal process, which protects you from overpaying.
Data updated: June 2026 · Source: HMDA/FFIEC · View all Tampa Bay ZIP codes
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VA Loan FAQ for 33547 Lithia
Why does Lithia have the second-highest median VA loan?
At $535,000, Lithia 33547 trails only Bradenton 34211 for the highest median VA loan in the top 25. This reflects a concentration of larger, newer homes in premium master-planned communities that attract senior military officers and established veteran families.
Is Lithia primarily a purchase or refinance market?
Purchases account for 82.5% of VA originations in 33547. That strong purchase share indicates steady demand from incoming buyers rather than existing homeowners tapping equity.
Can I qualify for a VA loan at the $535,000 price point?
With full VA entitlement, there is no loan limit — you can finance the full amount with zero down. Qualification depends on your income, debts, and residual income. At this price point, most borrowers need household income above the O-3/E-9 range.
How far is Lithia from MacDill AFB?
Lithia is roughly 25-35 minutes from MacDill AFB via the Crosstown Expressway or I-75, depending on the specific neighborhood. Many active-duty families find the commute manageable for the quality of homes and school zones available.
Are VA appraisals challenging in higher-value areas like 33547?
Higher-value markets often have fewer VA-specific comps, but Lithia's consistent sale volume — 315 originations over two years — generates enough comparable data. Experienced agents know which subdivisions appraise smoothly.
Get Started With Your VA Loan
Barrett Henry, Military Relocation Professional, works with VA buyers in 33547 Lithia and across Tampa Bay. Honest guidance — no pressure, no obligation.
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