VA Loans in 33598 — Wimauma, FL
Real VA loan data for ZIP 33598 in Hillsborough County. Ranked #4 out of 25 ZIPs across Tampa Bay.
ZIP 33598 ranks #4 across Tampa Bay for VA loan originations. Wimauma produced 252 VA originations in 2024, growing 15.1% over the prior year. The median VA loan here is $385,000, based on federal HMDA data.
| Metric | Value |
|---|---|
| Tampa Bay Rank | #4 of 25 |
| 2024 VA Originations | 252 |
| 2023 VA Originations | 219 |
| Year-over-Year Change | +15.1% |
| Two-Year Total | 471 |
| Purchase Originations (2 yr) | 392 |
| Purchase Share | 83.2% |
| Median VA Loan | $385,000 |
| County | Hillsborough |
What the Federal Data Says About 33598
Wimauma 33598 sits at rank #4 with 471 VA originations over two years. What distinguishes this ZIP is the combination of strong purchase share (83.2%) and a median loan of $385,000 — among the most affordable in the top five. That pairing attracts veterans who want South Shore location at a more accessible price.
The 15.1% year-over-year growth exceeds the overall Tampa Bay average. Builder activity in southern Hillsborough continues to convert agricultural land into residential subdivisions, expanding inventory at price points below adjacent Riverview and Apollo Beach.
Federal HMDA data confirms that 392 of the 471 total originations were purchases. That high conversion rate suggests strong builder acceptance of VA financing and ample new-construction inventory.
Considering Wimauma for Your VA Purchase?
Barrett Henry (MRP) works with VA buyers in 33598 Wimauma every week. Straight answers, no sales pressure.
Who Is Using VA Loans in 33598
The 83.2% purchase share tells us that incoming buyers drive this market almost exclusively. Many are first-term veterans or active-duty families taking their first homeownership step. The $385,000 median keeps monthly payments in a range that junior enlisted families can manage without financial strain.
MacDill AFB commuters and SOCOM/CENTCOM personnel appear in the buyer mix. The drive from Wimauma to MacDill runs 25-35 minutes via I-75, competitive with many other South Shore ZIPs.
Buying in 33598 With a VA Loan
New construction dominates inventory in 33598, which simplifies the VA process. Builders handle many of the inspections and code requirements before closing. The VA appraisal in new-construction communities benefits from a steady stream of recent comparable sales.
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 33598 Wimauma
How affordable is Wimauma for VA buyers?
Wimauma 33598 carries a median VA loan of $385,000 — one of the lowest among the top-five ZIPs. That translates to lower monthly payments and more purchasing power for veterans using the zero-down VA benefit.
How many VA loans originated in 33598 in 2024?
Federal HMDA data shows 252 VA originations in 2024, up 15.1% from 219 in 2023. The two-year total of 471 places Wimauma at rank #4 in the Tampa Bay region.
Is Wimauma considered part of Tampa Bay?
Yes. Wimauma sits in southern Hillsborough County and falls within the Tampa-St. Petersburg-Clearwater MSA. It shares the same VA loan limits and county-level regulations as Tampa, Brandon, and Riverview.
What percentage of VA loans in 33598 are purchases?
Purchases represent 83.2% of VA originations in 33598. That high purchase share points to a buyer-driven market where veterans are acquiring homes rather than refinancing existing mortgages.
Can a veteran with a disability waive the funding fee in 33598?
Veterans with any service-connected disability rating from the VA are exempt from the funding fee on every VA loan, regardless of location. In 33598 that exemption saves roughly $8,278 on a median-priced purchase — a significant upfront reduction.
Get Started With Your VA Loan
Barrett Henry, Military Relocation Professional, works with VA buyers in 33598 Wimauma and across Tampa Bay. Honest guidance — no pressure, no obligation.
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