VA Loans in 33572 — Apollo Beach, FL
Real VA loan data for ZIP 33572 in Hillsborough County. Ranked #9 out of 25 ZIPs across Tampa Bay.
ZIP 33572 ranks #9 across Tampa Bay for VA loan originations. Apollo Beach generated 194 VA originations in 2024, rising 14.1% year over year. The median VA loan here is $465,000, based on federal HMDA data.
| Metric | Value |
|---|---|
| Tampa Bay Rank | #9 of 25 |
| 2024 VA Originations | 194 |
| 2023 VA Originations | 170 |
| Year-over-Year Change | +14.1% |
| Two-Year Total | 364 |
| Purchase Originations (2 yr) | 305 |
| Purchase Share | 83.8% |
| Median VA Loan | $465,000 |
| County | Hillsborough |
What the Federal Data Says About 33572
Apollo Beach 33572 closes the top nine at rank #9 with 364 originations over two years. What sets this ZIP apart is the $465,000 median — the highest among the top-nine ZIPs and a clear indicator of premium housing stock, waterfront premiums, and master-planned community pricing.
Despite the higher price point, the 83.8% purchase share is the second-highest in the top nine. When buyers dominate at a $465,000 median, the implication is clear: these are established military households with significant income, choosing Apollo Beach deliberately over cheaper alternatives.
Year-over-year growth of 14.1% keeps pace with the South Shore average. The waterfront lifestyle, MacDill proximity, and community amenities sustain demand even as prices climb above adjacent ZIPs.
Where Veterans Are Buying in 33572
Apollo Beach is known as a waterfront MacDill commuter favorite. Active-duty families at CENTCOM and SOCOM frequently choose this ZIP for its combination of water views, master-planned infrastructure, and direct highway access to the base.
Located within the MacDill AFB commuter belt with new-construction heavy development, drawing active-duty families and CENTCOM/SOCOM personnel, Apollo Beach offers a lifestyle premium that justifies its higher median. Tampa Bay waterfront living is the defining draw.
Eyeing Apollo Beach for Your VA Loan?
Barrett Henry (MRP) works with VA buyers in 33572 Apollo Beach every week. Straight answers, no sales pressure.
Who Is Using VA Loans in 33572
The 83.8% purchase share and $465,000 median reveal a senior-enlisted and officer buyer pool. O-3 through O-6 households and senior NCOs with dual incomes represent the core demographic. These buyers prioritize waterfront access, school quality, and base proximity over raw affordability.
A modest refinance segment — about 16% of originations — reflects early-phase homeowners who purchased before recent appreciation and are now extracting equity through VA cash-out refinances.
Buying in 33572 With a VA Loan
Waterfront and master-planned community purchases in 33572 can involve HOA review, flood zone verification, and wind mitigation considerations. VA appraisals here require recent comparable sales from similar waterfront properties, which appraisers can usually source from the active transaction volume within Apollo Beach itself.
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 33572 Apollo Beach
Why is 33572 the most expensive ZIP in the top nine?
Apollo Beach carries a median VA loan of $465,000, the highest among the top-nine ZIPs. Waterfront access, master-planned communities, and direct MacDill AFB proximity drive home values above the regional average.
What share of VA loans in Apollo Beach are purchases?
An 83.8% purchase share means the overwhelming majority of VA borrowers in 33572 are buying, not refinancing. That aligns with Apollo Beach's profile as a destination for PCS families and veterans relocating to the South Shore.
Is Apollo Beach convenient for MacDill AFB commuters?
Yes. Apollo Beach sits roughly 15-25 minutes from MacDill AFB via I-75 and the Selmon Expressway, making it one of the closest South Shore communities to the base. Active-duty families frequently choose this ZIP for that reason.
Do VA appraisals work differently near the waterfront?
VA appraisals in waterfront areas may require additional comparable sales analysis because waterfront premiums vary. Appraisers look for recent sales of similar properties within the same community or nearby waterfront subdivisions to support the value.
Can I finance a pool home with a VA loan in 33572?
Yes. Pools are not an obstacle for VA financing. The VA appraiser will confirm the pool meets safety requirements (proper fencing/barriers per local code), but pools do not disqualify a property from VA loan eligibility.
What is the VA funding fee on a $465,000 loan?
For a first-use, zero-down purchase the funding fee is 2.15%, which equals roughly $9,998 on a $465,000 loan. Veterans with a service-connected disability rating are fully exempt from this fee.
Get Started With Your VA Loan
Barrett Henry, Military Relocation Professional, works with VA buyers in 33572 Apollo Beach and across Tampa Bay. Honest guidance — no pressure, no obligation.
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