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Compare towns

Cheval vs Lutz

Next-door neighbors. The biggest differences: property tax bill (+52% in Cheval) and homeowners (+19.1 pts renters in Cheval).

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Cheval, FLKnown for its schoolsFlorida · 13,969 people
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Lutz, FLKnown for its schoolsFlorida · 27,106 people
Where each one shines

Two towns, two different strengths

What each town does better than most of its state (not better than each other). Tap one to see the page behind it.

The biggest differences

Where they differ most

The rows below where the towns are furthest apart, beyond the Census margin of error. The full table is further down.

★ What stands out · Monthly cost

A typical home costs $360 more a month in Cheval

A typical home in each town, bought with 20% down at 6.3% for 30 years, plus property tax at the town’s own rate and insurance. Change the numbers to fit you.

Cheval$3,230/mo
Typical home $526K (Census) · tax rate 1.07% · or rent about $1,442/mo · Housing →
Lutz$2,870/mo
Typical home $488K (Zillow) · tax rate 0.76% · or rent about $1,823/mo · Housing →

The difference: $360 a month, about $4,300 a year, between Cheval and Lutz.

Estimates, not a quote: your price, rate, tax bill and insurance will differ. Tax rate = the Census median tax bill over the median home value.

Where they are

Cheval and Lutz share a border

And the people who already live in one and work in the other.

ChevalLutzChevalLutz
Cheval ↔ Lutz3.8 miles apart · They share a border
Who commutes between them
122 Cheval residents work in Lutz (2.1% of its workers)
Work & commute in Cheval →
Report cards

Cheval places higher on 12 of 19 FL lists

Our letter grades for safety, schools and health, then every Florida ranking list both towns are on. A grade is one measure; read the page behind it.

Life in each

What daily life feels like in each

The weather, the land, the history and the people, row by row. None of it is a grade: more snow is a plus to a skier.

Seasons
ChevalLutz
Snow a year0″0″
January low51°F49°F
July high91°F90°F
Growing season (days)354d336d
Hazard risk (U.S. pctl)57th64th
Outdoors & history
ChevalLutz
Trails6 mi6 mi
Conserved land0%11%
National Register places—1
Archive photos—12
Community
ChevalLutz
Library hours a week—46 hrs
Posts this month00
Neighbors joined00

A dot marks the most on each row. Climate: NOAA 1991–2020 normals at the nearest station. Hazard risk: FEMA National Risk Index, expected yearly damage vs U.S. towns.

Everything, side by side

What matters to you?

Pick a few. Those rows jump to the top and the best fit on each is marked. There’s no overall score: what matters is up to you.

ChevalLutz
People
Population 13,969Lowest 27,106Highest
Growth since 20102010 → 2020 census +17%Lowest FL: +14.6% +22.6%Highest FL: +14.6%
Median age 39.6±2.2Lowest 7% below FL 41.3±1.5Highest 3% below FL
Lutz and Cheval are within the Census margin of error here, so we can’t say which is really higher.
Kids under 18 25.4%±2.8Highest FL: 19.5% 24.8%±2.2Lowest FL: 19.5%
Cheval and Lutz are within the Census margin of error here, so we can’t say which is really higher.
Age 65+ 15.1%±2.5Lowest FL: 21.3% 18.1%±1.6Highest FL: 21.3%
Lutz and Cheval are within the Census margin of error here, so we can’t say which is really higher.
Bachelor’s degree+adults 25+ 55.3%Highest FL: 34.1% 49.6%Lowest FL: 34.1%
Enrolled in collegeshare of residents 6%±2Highest FL: 6.1% 5.9%±1.3Lowest FL: 6.1%
Cheval and Lutz are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian $101,907±$11kLowest 37% above FL $120,031±$14kHighest 61% above FL
Lutz and Cheval are within the Census margin of error here, so we can’t say which is really higher.
Home valuemedian, owner-occupied $525,700±$51kHighest 46% above FL $486,500±$27kLowest 36% above FL
Cheval and Lutz are within the Census margin of error here, so we can’t say which is really higher.
Rentmedian gross, monthly $1,442±$101Lowest 14% below FL $1,823±$164Highest 9% above FL
Property taxmedian, yearly $5,638Highest 107% above FL $3,713Lowest 36% above FL
Renters paying 30%+of income on rent 47.3%±12.3Lowest FL: 60.1% 65%±11.9Highest FL: 60.1%
Lutz and Cheval are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line 4.6%Lowest FL: 12.6% 6.1%Highest FL: 12.6%
Housing
Homeownersof occupied homes 59.4%Lowest FL: 67.6% 78.5%Highest FL: 67.6%
Typical home builtmedian year 1994Highest 6 yrs newer than FL 1990Lowest 2 yrs newer than FL
Getting to work
Average commuteone way 28 minLowest about the FL average 32 minHighest 14% above FL
Work from home 26.7%±4.3Highest FL: 15.7% 24.8%±3.4Lowest FL: 15.7%
Cheval and Lutz are within the Census margin of error here, so we can’t say which is really higher.
Work in townworking residents 3.6%Lowest 4.9%Highest
Typical commute distancemedian, straight-line 13.8 miHighest 12.8 miLowest
Jobs per working residentover 1.5 = a job hub 0.59Highest 0.56Lowest
Top workplaceoutside town Tampa (32%)Tampa (31%)
Between these townsresidents who work in the others 2% work in LutzFew work in Cheval
Outdoors
Conserved landshare of the town 0%Lowest 11%Highest
Trailsmapped miles 6.4 miHighest 6.1 miLowest
Trail densitymiles per sq mi 0.9 miHighest 0.2 miLowest
Parks & preservesnamed on the map 1Lowest 11Highest
Street connectivityintersections per sq mi, a walkability measure 40.3Highest 31.6Lowest
Schools
Public school scoresrank in state, math + reading #16 of 488 in FL#57 of 488 in FL
School district HILLSBOROUGHHILLSBOROUGH
High school in town None in townNone in town
Florida average“±” Census margin of errorACS 2020–2024
Deciding?

Ask the people who live there

The numbers stop at the town line. Neighbors can tell you about the commute at 7am, the schools, the winters and the feel of the place.

Cheval neighborsTown Square →

Your question goes to Cheval’s Town Square.

Lutz neighborsTown Square →

Your question goes to Lutz’s Town Square.

Add a town

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Bordering Cheval

Towns like Cheval

Sources: U.S. Census Bureau American Community Survey 5-year estimates, 2010 & 2020 censuses, LEHD commute flows; Zillow Home Value Index; NCES Common Core of Data; FBI crime reporting; CDC PLACES; FEMA National Risk Index; NOAA U.S. Climate Normals 1991–2020; USGS PAD-US and OpenStreetMap. “±” is the Census margin of error; differences inside it are never called. Property tax is top-coded by the Census at $10,000+. There is no overall score: which town is better depends on what matters to you.

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