ZIP Code 34446 — Sugarmill Woods CDP, FL Demographics & Data

ZIP code 34446 covers Sugarmill Woods, FL in Citrus County with a population of about 18,797.

At a glance, the area shows median age of 61.0 versus a U.S. median of about 38.9.

It sits in telephone area code 352; U.S. House district FL-12; the TAMPA - ST. PETE (SARASOTA) media market.

Sugarmill Woods, FL fits a retirement-oriented profile (high share of residents 65+ (43.2%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 34446 is about $60,625 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.7%; unemployment rate near 7.3%; 17.9% of adults with a bachelor’s degree or higher (about 15.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 11.9% of workers reporting work-from-home (about 3.3 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 $231,700 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $769 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 93.6% (about 28.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34446 in Sugarmill Woods, FL, a household would need roughly $64,000 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 $1,488. That is roughly in line with the local median household income ($60,625). 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 Sugarmill Woods CDP, FL as Relatively High (composite score 94.7), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.8) and wildfire (90.5). 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 Sugarmill Woods CDP, FL show little to no average snow and around 51.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 841 for ZIP 34446 (Sugarmill Woods 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.