ZIP Code 34604 — Spring Hill CDP, FL Demographics & Data

ZIP code 34604 covers Spring Hill, FL in Hernando County with a population of about 13,964.

At a glance, the area shows median age of 44.1 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 34604 is about $85,111 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 2.9%; 19.1% of adults with a bachelor’s degree or higher (about 14.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Construction; about 9.4% of workers reporting work-from-home (about 5.8 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 $272,300 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $832 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 91.2% (about 25.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34604 in Spring Hill, FL, a household would need roughly $75,000 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 $1,749. That sits below the local median household income ($85,111), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Hill 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 Hill 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 625 for ZIP 34604 (Spring Hill 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.