ZIP 33542 vs ZIP 34691

33542 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 19 of the 22 with a value.

4 school locations in 33542: 2 elementary, 1 middle, 1 high.

In alphabetical order: RAYMOND B. STEWART MIDDLE SCHOOL, WEST ZEPHYRHILLS ELEMENTARY SCHOOL, WOODLAND ELEMENTARY SCHOOL, ZEPHYRHILLS HIGH SCHOOL. Locations only — no ratings are shown here.

34691 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 20 of the 22 with a value.

4 school locations in 34691: 2 elementary, 1 middle, 1 high.

In alphabetical order: ANCLOTE HIGH SCHOOL, GULFSIDE ELEMENTARY SCHOOL, GULF TRACE ELEMENTARY SCHOOL, PAUL R. SMITH MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33542 was worth $69,538.

Values peaked at $249,555 in May 2024. The latest reading is −9.1% from that peak.

As of August 2026: $226,945, −2.1% over twelve months.

Start with the typical home: $226,945. Put 20% down and borrow $181,556 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,257 a month in principal and interest.

The median household here earns $49,011 a year, $4,084 a month. So the payment takes 30.8% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $416.

In December 2020, with rates at 2.68%, it was $523.

By August 2026, at 6.67%, it was $1,168 — +123% since December 2020, while the home's value moved +41%.

Reported values rose +226% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $137,240. So the real change is +65%, not +226%.

33542: +226% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 33542 ran behind it by 19 points.

Against 1,098 Florida ZIP codes, 33542 sits at the 59th percentile for affordability (price vs local income).

28th for appreciation (recent value growth); 86th for rental yield (rent vs price).

Owning the typical home costs about $1,484 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,496 a month.

Price divided by a year's rent: 12.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34691 was worth $63,729.

Values peaked at $254,693 in April 2024. The latest reading is −12.7% from that peak.

As of August 2026: $222,343, −2.3% over twelve months.

Start with the typical home: $222,343. Put 20% down and borrow $177,874 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,232 a month in principal and interest.

The median household here earns $48,387 a year, $4,032 a month. So the payment takes 30.5% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 8.8% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $382.

In December 2020, with rates at 2.68%, it was $494.

By August 2026, at 6.67%, it was $1,144 — +132% since December 2020, while the home's value moved +46%.

Reported values rose +249% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $125,776. So the real change is +77%, not +249%.

34691: +249% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34691 ran ahead of it by 4 points.

Against 1,098 Florida ZIP codes, 34691 sits at the 59th percentile for affordability (price vs local income).

26th for appreciation (recent value growth); 94th for rental yield (rent vs price).

Owning the typical home costs about $1,454 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,695 a month.

Price divided by a year's rent: 10.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 31 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 121.

Going out — closed sales: about 19 a month. That is 64% of the 2015–2019 level for the same months. The drain is drawn 61% narrower: the share of homes for sale that sell each month is 39% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.4 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 19 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 31 — so sales ran at 61% of it, and below it in 22 of the last 24 months.

Across Pasco County, builders pulled permits for 7,878 new homes in 2025.

Of those, 79% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 56 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 210. That is 127% of the 2015–2019 level for the same months.

Going out — closed sales: about 33 a month. That is 53% of the 2015–2019 level for the same months. The drain is drawn 59% narrower: the share of homes for sale that sell each month is 41% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.3 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 22 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 33 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 60% of it, and below it in 24 of the last 24 months.

Across Pasco County, builders pulled permits for 7,878 new homes in 2025.

Of those, 79% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Pasco County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,554 moved in. Among the ten receiving the most, 10,044 moved out.

Net across those counties: +5,510 households. Beside it, homes for sale in this ZIP: 121 in June 2026.

Most arrivals came from Hillsborough, FL (8,182 households); most departures went to Hillsborough, FL (4,065).

This ZIP sits in Pasco County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,554 moved in. Among the ten receiving the most, 10,044 moved out.

Net across those counties: +5,510 households. Beside it, homes for sale in this ZIP: 210 in June 2026.

Most arrivals came from Hillsborough, FL (8,182 households); most departures went to Hillsborough, FL (4,065).