ZIP 34606 vs ZIP 34661

34606 is one of 10 ZIP codes that lie mostly in Hernando County, FL.

Shaded by typical home value, it ranks 9 of the 10 with a value.

3 school locations in 34606: 2 elementary, 1 middle.

In alphabetical order: DELTONA ELEMENTARY SCHOOL, FOX CHAPEL MIDDLE SCHOOL, WESTSIDE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34661 is one of 10 ZIP codes that lie mostly in Hernando County, FL.

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

In January 2000 the typical home in 34606 was worth $88,904.

Values peaked at $295,909 in May 2024. The latest reading is −8.3% from that peak.

As of August 2026: $271,436, −3.0% over twelve months.

Start with the typical home: $271,436. Put 20% down and borrow $217,149 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,503 a month in principal and interest.

The median household here earns $54,730 a year, $4,561 a month. So the payment takes 33.0% 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 10.8% 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 $532.

In December 2020, with rates at 2.68%, it was $596.

By August 2026, at 6.67%, it was $1,396 — +134% since December 2020, while the home's value moved +48%.

Reported values rose +205% 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 $175,461. So the real change is +55%, not +205%.

34606: +205% since January 2000.

Hernando County: +203% since January 2000.

Florida: +245% since January 2000 — 34606 ran behind it by 40 points.

Against 1,098 Florida ZIP codes, 34606 sits at the 47th percentile for affordability (price vs local income).

18th for appreciation (recent value growth); 78th for rental yield (rent vs price).

Owning the typical home costs about $1,775 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,710 a month.

Price divided by a year's rent: 13.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2017 the typical home in 34661 was worth $68,890.

Values peaked at $165,873 in November 2022. The latest reading is −19.5% from that peak.

As of August 2026: $133,545, −2.7% over twelve months.

Start with the typical home: $133,545. Put 20% down and borrow $106,836 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $740 a month in principal and interest.

The median household here earns $59,202 a year, $4,934 a month. So the payment takes 15.0% 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 7.7% in 2017.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2017 (4.17%) the payment was $268.

In December 2020, with rates at 2.68%, it was $350.

By August 2026, at 6.67%, it was $687 — +96% since December 2020, while the home's value moved +23%.

Reported values rose +94% since February 2017.

General prices (CPI-U) rose +37% over the same span.

Divide one by the other: in August 2026 dollars, the 2017 home was worth $94,335. So the real change is +42%, not +94%.

34661: +94% since February 2017.

Hernando County: +113% since February 2017.

Florida: +78% since February 2017 — 34661 ran ahead of it by 16 points.

Against 1,098 Florida ZIP codes, 34661 sits at the 99th percentile for affordability (price vs local income).

15th for appreciation (recent value growth).

Owning the typical home costs about $873 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,298 a month.

Price divided by a year's rent: 8.6. 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 65 a month (Redfin, 3-month rolling data through August 2026). That is 94% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 204. That is 90% of the 2015–2019 level for the same months.

Going out — closed sales: about 51 a month. That is 75% of the 2015–2019 level for the same months. The drain is drawn 22% narrower: the share of homes for sale that sell each month is 78% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.0 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 51 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 61 — so sales ran at 84% 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).

Homes sold: about 0 a month in December 2025 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 7 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: 204 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: 1 in January 2026.

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