ZIP Code 34210 — Cortez CDP, FL Demographics & Data

ZIP code 34210 covers Cortez, FL in Manatee County with a population of about 17,301.

At a glance, the area shows median age of 56.3 versus a U.S. median of about 38.9.

It sits in telephone area code 941; U.S. House district FL-16; the TAMPA - ST. PETE (SARASOTA) media market.

Cortez, FL sits in a university / college context (near state college of florida-manatee-sarasota (2.4 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 34210 is about $64,306 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 8.2%; 37.4% of adults with a bachelor’s degree or higher (about 3.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Retail trade; about 10.5% of workers reporting work-from-home (about 4.7 points below 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 $279,500 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,428 (about 23% above the U.S. median rent ($1,163)), and owner-occupancy near 61.4% (about 4.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34210 in Cortez, FL, a household would need roughly $77,000 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 $1,795. That is about 20% above the local median household income ($64,306), 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 Cortez CDP, FL as Relatively High (composite score 97.6), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.3) and flood (93.5). 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 Cortez CDP, FL show little to no average snow and around 49.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 774 for ZIP 34210 (Cortez CDP, 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.