ZIP 34610 vs ZIP 34655

34610 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 7 of the 22 with a value.

8 school locations in 34610: 2 elementary, 3 middle, 3 high.

In alphabetical order: CLASSICAL PREPARATORY SCHOOL, CREWS LAKE MIDDLE SCHOOL., DR. MARY GIELLA ELEMENTARY SCHOOL, HUDSON ACADEMY, and more on the ZIP page. Locations only — no ratings are shown here.

34655 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 8 of the 22 with a value.

8 school locations in 34655: 5 elementary, 2 middle, 1 high.

In alphabetical order: ATHENIAN ACADEMY OF TECHNOLOGY AND THE ARTS, JAMES W. MITCHELL HIGH SCHOOL, LONGLEAF ELEMENTARY SCHOOL, ODESSA ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34610 was worth $108,139.

Values peaked at $401,182 in May 2024. The latest reading is −5.2% from that peak.

As of August 2026: $380,404, −1.5% over twelve months.

Start with the typical home: $380,404. Put 20% down and borrow $304,323 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,107 a month in principal and interest.

The median household here earns $73,878 a year, $6,157 a month. So the payment takes 34.2% 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 9.7% 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 $647.

In December 2020, with rates at 2.68%, it was $865.

By August 2026, at 6.67%, it was $1,957 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +252% 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 $213,423. So the real change is +78%, not +252%.

34610: +252% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34610 ran ahead of it by 7 points.

Against 1,098 Florida ZIP codes, 34610 sits at the 41st percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 60th for rental yield (rent vs price).

Owning the typical home costs about $2,487 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,850 a month.

Price divided by a year's rent: 17.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34655 was worth $129,966.

Values peaked at $412,818 in August 2022. The latest reading is −8.8% from that peak.

As of August 2026: $376,291, −2.1% over twelve months.

Start with the typical home: $376,291. Put 20% down and borrow $301,033 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,084 a month in principal and interest.

The median household here earns $85,107 a year, $7,092 a month. So the payment takes 29.4% 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 10.2% 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 $778.

In December 2020, with rates at 2.68%, it was $904.

By August 2026, at 6.67%, it was $1,936 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +190% 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 $256,501. So the real change is +47%, not +190%.

34655: +190% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34655 ran behind it by 56 points.

Against 1,098 Florida ZIP codes, 34655 sits at the 66th percentile for affordability (price vs local income).

26th for appreciation (recent value growth); 40th for rental yield (rent vs price).

Owning the typical home costs about $2,461 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,943 a month.

Price divided by a year's rent: 16.1. 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 24 a month (Redfin, 3-month rolling data through August 2026). That is 95% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 86.

Going out — closed sales: about 20 a month. The drain is drawn 26% narrower: the share of homes for sale that sell each month is 74% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.3 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 20 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 105% of it, and below it in 20 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 94 a month (Redfin, 3-month rolling data through August 2026). That is 82% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 319. That is 120% of the 2015–2019 level for the same months.

Going out — closed sales: about 71 a month. That is 63% of the 2015–2019 level for the same months. The drain is drawn 48% narrower: the share of homes for sale that sell each month is 52% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.5 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 22 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 71 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 96 — so sales ran at 74% 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: 86 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: 319 in June 2026.

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