ZIP 34690 vs ZIP 34652

34690 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

Shaded by typical home value, it ranks 21 of the 22 with a value.

1 school location in 34690: 1 elementary.

In alphabetical order: SUNRAY ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34652 is one of 24 ZIP codes that lie mostly in Pasco County, FL.

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

6 school locations in 34652: 4 elementary, 2 high.

In alphabetical order: ANCLOTE ELEMENTARY SCHOOL, GULF HIGH SCHOOL, JAMES M. MARLOWE ELEMENTARY SCHOOL, MITTYE P. LOCKE ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34690 was worth $64,873.

Values peaked at $246,461 in May 2024. The latest reading is −11.5% from that peak.

As of August 2026: $218,026, −1.6% over twelve months.

Start with the typical home: $218,026. Put 20% down and borrow $174,421 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,208 a month in principal and interest.

The median household here earns $46,167 a year, $3,847 a month. So the payment takes 31.4% 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 9.3% 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 $388.

In December 2020, with rates at 2.68%, it was $495.

By August 2026, at 6.67%, it was $1,122 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +236% 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 $128,034. So the real change is +70%, not +236%.

34690: +236% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34690 ran behind it by 9 points.

Against 1,098 Florida ZIP codes, 34690 sits at the 55th percentile for affordability (price vs local income).

37th for appreciation (recent value growth); 92nd for rental yield (rent vs price).

Owning the typical home costs about $1,426 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,719 a month.

Price divided by a year's rent: 10.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34652 was worth $65,579.

Values peaked at $247,384 in April 2024. The latest reading is −12.7% from that peak.

As of August 2026: $215,982, −1.0% over twelve months.

Start with the typical home: $215,982. Put 20% down and borrow $172,786 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,196 a month in principal and interest.

The median household here earns $52,396 a year, $4,366 a month. So the payment takes 27.4% 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 8.3% 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 $393.

In December 2020, with rates at 2.68%, it was $505.

By August 2026, at 6.67%, it was $1,111 — +120% since December 2020, while the home's value moved +39%.

Reported values rose +229% 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 $129,427. So the real change is +67%, not +229%.

34652: +229% since January 2000.

Pasco County: +217% since January 2000.

Florida: +245% since January 2000 — 34652 ran behind it by 16 points.

Against 1,098 Florida ZIP codes, 34652 sits at the 76th percentile for affordability (price vs local income).

50th for appreciation (recent value growth); 93rd for rental yield (rent vs price).

Owning the typical home costs about $1,412 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,728 a month.

Price divided by a year's rent: 10.4. 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 23 a month (Redfin, 3-month rolling data through August 2026). That is 79% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 72.

Going out — closed sales: about 12 a month. That is 44% of the 2015–2019 level for the same months. The drain is drawn 65% narrower: the share of homes for sale that sell each month is 35% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.0 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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 26 — so sales ran at 46% of it, and below it in 21 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 91 a month (Redfin, 3-month rolling data through August 2026). That is 105% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 406. That is 143% of the 2015–2019 level for the same months.

Going out — closed sales: about 56 a month. That is 67% of the 2015–2019 level for the same months. The drain is drawn 54% narrower: the share of homes for sale that sell each month is 46% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 35 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 56 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 62 — so sales ran at 90% 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: 72 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: 406 in June 2026.

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