ZIP 34604 vs ZIP 34609

34604 is one of 10 ZIP codes that lie mostly in Hernando County, FL.

Shaded by typical home value, it ranks 3 of the 10 with a value.

3 school locations in 34604: 1 elementary, 2 high.

In alphabetical order: CHOCACHATTI ELEMENTARY SCHOOL, HERNANDO COUNTY JAIL, NATURE COAST TECHNICAL HIGH. Locations only — no ratings are shown here.

34609 is one of 10 ZIP codes that lie mostly in Hernando County, FL.

Shaded by typical home value, it ranks 4 of the 10 with a value.

7 school locations in 34609: 3 elementary, 2 middle, 2 high.

In alphabetical order: CHALLENGER K-8 SCHOOL OF SCIENCE AND MATH, FRANK W. SPRINGSTEAD HIGH SCHOOL, JOHN D. FLOYD ELEMENTARY SCHOOL, PACE CENTER FOR GIRLS, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34604 was worth $113,789.

Values peaked at $355,645 in September 2022. The latest reading is −7.9% from that peak.

As of August 2026: $327,470, −2.4% over twelve months.

Start with the typical home: $327,470. Put 20% down and borrow $261,976 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,814 a month in principal and interest.

The median household here earns $85,111 a year, $7,093 a month. So the payment takes 25.6% of income — rated “affordable” (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 8.9% 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 $681.

In December 2020, with rates at 2.68%, it was $730.

By August 2026, at 6.67%, it was $1,685 — +131% since December 2020, while the home's value moved +45%.

Reported values rose +188% 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 $224,574. So the real change is +46%, not +188%.

34604: +188% since January 2000.

Hernando County: +203% since January 2000.

Florida: +245% since January 2000 — 34604 ran behind it by 57 points.

Against 1,098 Florida ZIP codes, 34604 sits at the 85th percentile for affordability (price vs local income).

23rd for appreciation (recent value growth); 44th for rental yield (rent vs price).

Owning the typical home costs about $2,141 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,798 a month.

Price divided by a year's rent: 15.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34609 was worth $110,086.

Values peaked at $352,568 in September 2022. The latest reading is −8.8% from that peak.

As of August 2026: $321,714, −2.2% over twelve months.

Start with the typical home: $321,714. Put 20% down and borrow $257,371 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,782 a month in principal and interest.

The median household here earns $79,284 a year, $6,607 a month. So the payment takes 27.0% of income — rated “affordable” (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 9.2% 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 $659.

In December 2020, with rates at 2.68%, it was $722.

By August 2026, at 6.67%, it was $1,655 — +129% since December 2020, while the home's value moved +44%.

Reported values rose +192% 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 $217,266. So the real change is +48%, not +192%.

34609: +192% since January 2000.

Hernando County: +203% since January 2000.

Florida: +245% since January 2000 — 34609 ran behind it by 53 points.

Against 1,098 Florida ZIP codes, 34609 sits at the 80th percentile for affordability (price vs local income).

24th for appreciation (recent value growth); 68th for rental yield (rent vs price).

Owning the typical home costs about $2,104 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,945 a month.

Price divided by a year's rent: 13.8. 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 21 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 81.

Going out — closed sales: about 17 a month. The drain is drawn 18% narrower: the share of homes for sale that sell each month is 82% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.9 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 106% of it, and below it in 17 of the last 24 months.

Across Hernando County, builders pulled permits for 1,975 new homes in 2025.

Of those, 88% 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 103 a month (Redfin, 3-month rolling data through August 2026). That is 97% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 329. That is 97% of the 2015–2019 level for the same months.

Going out — closed sales: about 87 a month. That is 83% of the 2015–2019 level for the same months. The drain is drawn 11% narrower: the share of homes for sale that sell each month is 89% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.8 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 87 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 96 — so sales ran at 91% of it, and below it in 21 of the last 24 months.

Across Hernando County, builders pulled permits for 1,975 new homes in 2025.

Of those, 88% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Hernando County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,715 moved in. Among the ten receiving the most, 3,073 moved out.

Net across those counties: +1,642 households. Beside it, homes for sale in this ZIP: 81 in June 2026.

Most arrivals came from Pasco, FL (2,001 households); most departures went to Pasco, FL (1,249).

This ZIP sits in Hernando County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,715 moved in. Among the ten receiving the most, 3,073 moved out.

Net across those counties: +1,642 households. Beside it, homes for sale in this ZIP: 329 in June 2026.

Most arrivals came from Pasco, FL (2,001 households); most departures went to Pasco, FL (1,249).