ZIP Code 34602 — Spring Lake CDP, FL Demographics & Data

ZIP code 34602 covers Spring Lake, FL in Hernando County with a population of about 10,391.

At a glance, the area shows median age of 44.8 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.

Median household income in ZIP 34602 is about $72,054 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 3.3%; 20.4% of adults with a bachelor’s degree or higher (about 13.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 22.3% of workers reporting work-from-home (about 7.1 points above 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 $241,300 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,078 (about 7% below the U.S. median rent ($1,163)), and owner-occupancy near 87.4% (about 22.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34602 in Spring Lake, FL, a household would need roughly $66,000 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 $1,550. That is roughly in line with the local median household income ($72,054). 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 Spring Lake CDP, FL as Relatively Moderate (composite score 88.0), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (96.1) and wildfire (88.0). 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 Spring Lake 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 465 for ZIP 34602 (Spring Lake 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.