U.S. ZIP Code · FL34604
Hernando County · Tampa-St. Petersburg-Clearwater, FL
Appreciation
- 1-year
- -3.0%
- 5-year / yr
- +6.5%
- 10-year / yr
- +7.9%
Relative price
- vs U.S.
- +16.3%
- vs metro
- -9.1%
- vs state
- -4.7%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 34604 is worth $330,505 — 9.1% below the Tampa-St. Petersburg-Clearwater, FL median. Over the past year, values have fallen 3.0%. Homes here rent for a typical $1,797 a month — a 6.5% gross rental yield. The effective property tax rate is 0.7%.
#Rent & investment
Typical asking rent, and the returns it implies at the current home value.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#Climate risk
FEMA National Risk Index ratings for Hernando County. "Not Applicable" means the hazard does not threaten the county.
- Overall risk
- Relatively Moderate[4]
- Riverine flood
- Relatively Moderate
- Coastal flood
- Relatively Moderate
- Wildfire
- Relatively Low
- Drought
- Very Low
- Heat wave
- Relatively Low
- Hurricane
- Relatively High
- Tornado
- Relatively High
- Earthquake
- Very Low
- Winter weather
- No Rating
#Who lives here
#Migration
Household moves in and out of Hernando County over a year, from IRS tax-return data.
- Net migration
- +2,290[5]
- Moved in
- 8,430
- Moved out
- 6,140
Schools
Open public schools in this ZIP, from the NCES Common Core of Data.
- Public schools
- 3
- Elementary
- 1
- Middle
- 0
- High
- 2
NATURE COAST TECHNICAL HIGH
High · Grades 9–12 · HERNANDO
1,346 students
CHOCACHATTI ELEMENTARY SCHOOL
Elementary · Grades PK–5 · HERNANDO
775 students
HERNANDO COUNTY JAIL
High · Grades 8–12 · HERNANDO
9 students
Run the numbers
Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.
Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.
Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.
Renting is meaningfully cheaper month-to-month.
This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.
#Metro ranking
Where this ZIP sits among others in its metro area.
Frequently asked
- How much is a home worth in ZIP code 34604?
- The typical home in 34604 is worth $330,505, based on the Zillow Home Value Index.
- Are home values rising in 34604?
- Home values in 34604 are down 3.0% over the past year, and up 6.5% a year over five years.
- What is the typical rent in 34604?
- A typical home in 34604 rents for about $1,797 a month, a gross rental yield of 6.5%.
- What is the property tax rate in 34604?
- The effective property tax rate in 34604 is 0.7% — roughly $2,333 a year on a typical home.
- Who lives in 34604?
- ZIP code 34604 has a population of 13,642 and a median household income of $84,833.
#Comparable ZIPs
Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.
Crystal Springs CDP, FL
- Typical home
- $331,142
- Gross yield
- 8.2%
Pinellas Park, FL
- Typical home
- $332,369
- Gross yield
- 7.7%
St. Petersburg, FL
- Typical home
- $327,611
- Gross yield
- 7.8%
Spring Hill CDP, FL
- Typical home
- $324,873
- Gross yield
- 7.4%
Bardmoor CDP, FL
- Typical home
- $324,102
- Gross yield
- 8.1%
Palm Harbor CDP, FL
- Typical home
- $323,721
- Gross yield
- 6.7%
Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →
Compare ZIPs
Pit ZIP 34604 against any other ZIP — full side-by-side table.
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