ZIP 34639 vs ZIP 33545

34639 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 5 of the 22 with a value.

4 school locations in 34639: 2 elementary, 2 middle.

In alphabetical order: COUNTRYSIDE MONTESSORI ACADEMY, LAKE MYRTLE ELEMENTARY SCHOOL, PINE VIEW ELEMENTARY SCHOOL, PINE VIEW MIDDLE SCHOOL. Locations only — no ratings are shown here.

33545 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 6 of the 22 with a value.

6 school locations in 33545: 3 elementary, 2 middle, 1 high.

In alphabetical order: INNOVATION PREPARATORY ACADEMY, NEW RIVER ELEMENTARY SCHOOL, THOMAS E. WEIGHTMAN MIDDLE SCHOOL, WATERGRASS ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34639 was worth $138,739.

Values peaked at $440,106 in August 2022. The latest reading is −7.9% from that peak.

As of August 2026: $405,126, −1.7% over twelve months.

Start with the typical home: $405,126. Put 20% down and borrow $324,101 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,244 a month in principal and interest.

The median household here earns $99,959 a year, $8,330 a month. So the payment takes 26.9% 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 $831.

In December 2020, with rates at 2.68%, it was $960.

By August 2026, at 6.67%, it was $2,084 — +117% since December 2020, while the home's value moved +37%.

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 $273,816. So the real change is +48%, not +192%.

34639: +192% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34639 ran behind it by 53 points.

Against 1,098 Florida ZIP codes, 34639 sits at the 80th percentile for affordability (price vs local income).

33rd for appreciation (recent value growth); 35th for rental yield (rent vs price).

Owning the typical home costs about $2,649 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,136 a month.

Price divided by a year's rent: 15.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33545 was worth $137,282.

Values peaked at $450,757 in September 2022. The latest reading is −13.2% from that peak.

As of August 2026: $391,312, −3.3% over twelve months.

Start with the typical home: $391,312. Put 20% down and borrow $313,050 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,167 a month in principal and interest.

The median household here earns $108,835 a year, $9,070 a month. So the payment takes 23.9% 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 8.4% 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 $822.

In December 2020, with rates at 2.68%, it was $944.

By August 2026, at 6.67%, it was $2,013 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +185% 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 $270,940. So the real change is +44%, not +185%.

33545: +185% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 33545 ran behind it by 60 points.

Against 1,098 Florida ZIP codes, 33545 sits at the 93rd percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 56th for rental yield (rent vs price).

Owning the typical home costs about $2,559 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,246 a month.

Price divided by a year's rent: 14.5. 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 45 a month (Redfin, 3-month rolling data through August 2026). That is 77% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 124.

Going out — closed sales: about 31 a month. That is 51% of the 2015–2019 level for the same months. The drain is drawn 50% narrower: the share of homes for sale that sell each month is 50% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.96 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 53 — so sales ran at 58% 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).

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 109 a month (Redfin, 3-month rolling data through August 2026). That is 205% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 342.

Going out — closed sales: about 79 a month. That is 154% of the 2015–2019 level for the same months. The drain is drawn 51% narrower: the share of homes for sale that sell each month is 49% 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 30 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 79 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 46 — so sales ran at 172% of it, and below it in 0 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: 124 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: 342 in June 2026.

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