ZIP Code 33604 — Tampa city, FL Demographics & Data

ZIP code 33604 covers Tampa, FL in Hillsborough County with a population of about 39,411.

At a glance, the area shows median age of 36.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 656, 813; U.S. House district FL-14; the TAMPA - ST. PETE (SARASOTA) media market.

Tampa, FL sits in a university / college context (near erwin technical college (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 33604 is about $55,988 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.7%; unemployment rate near 4.8%; 26.3% of adults with a bachelor’s degree or higher (about 7.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 15.2% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $264,900 — about 24% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,134 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 55.5% (about 9.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33604 in Tampa, FL, a household would need roughly $73,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,702. That is about 30% above the local median household income ($55,988), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Tampa city, FL as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.3) and flood (97.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Tampa city, FL show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,764 for ZIP 33604 (Tampa city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.