ZIP 34653 vs ZIP 34668

34653 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 17 of the 22 with a value.

8 school locations in 34653: 3 elementary, 2 middle, 3 high.

In alphabetical order: BAYCARE BEHAVIORAL HEALTH, CALUSA ELEMENTARY SCHOOL, COTEE RIVER ELEMENTARY SCHOOL, DEER PARK ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

34668 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 18 of the 22 with a value.

6 school locations in 34668: 4 elementary, 1 middle, 1 high.

In alphabetical order: CHASCO ELEMENTARY SCHOOL, CHASCO MIDDLE SCHOOL, DAYSPRING ACADEMY, DAYSPRING JAZZ, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34653 was worth $72,878.

Values peaked at $276,937 in April 2024. The latest reading is −9.7% from that peak.

As of August 2026: $250,206, −1.2% over twelve months.

Start with the typical home: $250,206. Put 20% down and borrow $200,165 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,386 a month in principal and interest.

The median household here earns $47,660 a year, $3,972 a month. So the payment takes 34.9% 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 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 $436.

In December 2020, with rates at 2.68%, it was $564.

By August 2026, at 6.67%, it was $1,287 — +128% since December 2020, while the home's value moved +44%.

Reported values rose +243% 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 $143,832. So the real change is +74%, not +243%.

34653: +243% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34653 ran behind it by 2 points.

Against 1,098 Florida ZIP codes, 34653 sits at the 38th percentile for affordability (price vs local income).

46th for appreciation (recent value growth); 81st for rental yield (rent vs price).

Owning the typical home costs about $1,636 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,614 a month.

Price divided by a year's rent: 12.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34668 was worth $60,540.

Values peaked at $248,347 in April 2024. The latest reading is −8.2% from that peak.

As of August 2026: $228,036, −0.4% over twelve months.

Start with the typical home: $228,036. Put 20% down and borrow $182,429 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,263 a month in principal and interest.

The median household here earns $45,760 a year, $3,813 a month. So the payment takes 33.1% 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 8.8% 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 $362.

In December 2020, with rates at 2.68%, it was $496.

By August 2026, at 6.67%, it was $1,173 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +277% 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 $119,482. So the real change is +91%, not +277%.

34668: +277% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34668 ran ahead of it by 32 points.

Against 1,098 Florida ZIP codes, 34668 sits at the 47th percentile for affordability (price vs local income).

52nd for appreciation (recent value growth); 92nd for rental yield (rent vs price).

Owning the typical home costs about $1,491 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,687 a month.

Price divided by a year's rent: 11.3. 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 62 a month (Redfin, 3-month rolling data through August 2026). That is 93% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 186.

Going out — closed sales: about 47 a month. That is 74% of the 2015–2019 level for the same months. The drain is drawn 43% narrower: the share of homes for sale that sell each month is 57% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.99 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 47 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 65 — so sales ran at 72% 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 103 a month (Redfin, 3-month rolling data through August 2026). That is 90% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 376. That is 155% of the 2015–2019 level for the same months.

Going out — closed sales: about 77 a month. That is 64% of the 2015–2019 level for the same months. The drain is drawn 59% narrower: the share of homes for sale that sell each month is 41% 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 27 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 77 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 104 — 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: 186 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: 376 in June 2026.

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