ZIP 34613

34613 is one of 10 ZIP codes that lie mostly in Hernando County, FL.

Shaded by typical home value, it ranks 6 of the 10 with a value.

4 school locations in 34613: 1 elementary, 1 middle, 2 high.

In alphabetical order: CENTRAL HIGH SCHOOL, ENDEAVOR ACADEMY, PINE GROVE ELEMENTARY SCHOOL, WEST HERNANDO MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34613 was worth $112,167.

Values peaked at $339,212 in September 2022. The latest reading is −7.1% from that peak.

As of August 2026: $315,054, −1.5% over twelve months.

Start with the typical home: $315,054. Put 20% down and borrow $252,043 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,745 a month in principal and interest.

The median household here earns $56,175 a year, $4,681 a month. So the payment takes 37.3% of income — rated “severe” (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 13.3% 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 $672.

In December 2020, with rates at 2.68%, it was $709.

By August 2026, at 6.67%, it was $1,621 — +129% since December 2020, while the home's value moved +44%.

Reported values rose +181% 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 $221,373. So the real change is +42%, not +181%.

34613: +181% since January 2000.

Hernando County: +203% since January 2000.

Florida: +245% since January 2000 — 34613 ran behind it by 64 points.

Against 1,098 Florida ZIP codes, 34613 sits at the 27th percentile for affordability (price vs local income).

40th for appreciation (recent value growth); 71st for rental yield (rent vs price).

Owning the typical home costs about $2,060 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,071 a month.

Price divided by a year's rent: 12.7. 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). That is 147% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 173.

Going out — closed sales: about 49 a month. That is 160% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.6 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 49 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 181% of it, and below it in 5 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: 173 in June 2026.

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