ZIP 34614 vs ZIP 34604

34614 is one of 10 ZIP codes that lie mostly in Hernando County, FL.

Shaded by typical home value, it ranks 2 of the 10 with a value.

2 school locations in 34614: 1 middle, 1 high.

In alphabetical order: WEEKI WACHEE HIGH SCHOOL, WINDING WATERS K-8. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 34614 was worth $108,954.

Values peaked at $367,915 in August 2022. The latest reading is −2.8% from that peak.

As of August 2026: $357,573, −1.1% over twelve months.

Start with the typical home: $357,573. Put 20% down and borrow $286,058 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,981 a month in principal and interest.

The median household here earns $79,560 a year, $6,630 a month. So the payment takes 29.9% 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 9.1% 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 $652.

In December 2020, with rates at 2.68%, it was $769.

By August 2026, at 6.67%, it was $1,840 — +139% since December 2020, while the home's value moved +51%.

Reported values rose +228% 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 $215,032. So the real change is +66%, not +228%.

34614: +228% since January 2000.

Hernando County: +203% since January 2000.

Florida: +245% since January 2000 — 34614 ran behind it by 17 points.

Against 1,098 Florida ZIP codes, 34614 sits at the 66th percentile for affordability (price vs local income).

43rd for appreciation (recent value growth).

Owning the typical home costs about $2,338 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: 23.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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 46 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 164.

Going out — closed sales: about 32 a month.

The ladder: homes for sale ÷ monthly sales = 5.2 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 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 32 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 18 — so sales ran at 178% of it, and below it in 0 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 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).

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: 164 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: 81 in June 2026.

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