ZIP 34690

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.

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.

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).

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).