Tampa-St. Petersburg-Clearwater, FL · Florida
Hernando County
ZIP 34604
201,512 residents2,019 permits TTM$63,193 median HHI10 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$240,700
ACS 5-Year
Cap rate proxy
9.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
23.0%
HUD FMR ÷ ACS HHI
Net migration
+3.01%
IRS SOI
Permits (TTM)
2,019
Census BPS
Climate risk
88.0
FEMA NRI (0–100)
ZIP 34604
Median home value
$240,700
Gross yield
7.9%
Buy Box score
0.6
Section 8 gap
30.7%
Affordability
P/I: 5.2R/I: 34.3%
Section 8 detail
SAFMR: $1,580Rent: $1,209Gap: 30.7%
ZIP code breakdown10 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 34609 | $240,700 | $2,020 | 10.1% | 0.9 | 67.1% |
| 34606 | $240,700 | $1,610 | 8.0% | 0.9 | 33.2% |
| 34608 | $240,700 | $1,680 | 8.4% | 0.9 | 39.0% |
| 34613 | $240,700 | $1,610 | 8.0% | 0.8 | 33.2% |
| 34602 | $240,700 | $1,640 | 8.2% | 0.7 | 35.6% |
| 34604 | $240,700 | $1,580 | 7.9% | 0.6 | 30.7% |
| 34607 | $240,700 | $1,710 | 8.5% | 0.5 | 41.4% |
| 34614 | $240,700 | $1,490 | 7.4% | 0.4 | 23.2% |
| 34601 | $240,700 | $1,460 | 7.3% | 0.3 | 20.8% |
| 34661 | $240,700 | $1,390 | 6.9% | — | 15.0% |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
81.8%
Census ACS
Vacancy rate
11.5%
Census ACS
Bachelor's degree +
20.4%
Census ACS
Rent burdened
50.2%
Census ACS (>30% income)
Median age
48.1
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026