ZIP Code 34606 — Spring Hill CDP, FL Demographics & Data

ZIP code 34606 covers Spring Hill, FL in Hernando County with a population of about 28,155.

At a glance, the area shows median age of 50.4 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.

Spring Hill, FL sits in a university / college context (near ata career education (1.1 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 34606 is about $54,730 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.3%; unemployment rate near 8.6%; 19.7% of adults with a bachelor’s degree or higher (about 14.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 13.4% of workers reporting work-from-home (about 1.8 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 $227,700 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,065 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 77.5% (about 12.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34606 in Spring Hill, FL, a household would need roughly $63,000 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 $1,463. That is about 15% above the local median household income ($54,730), 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 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.

IRS migration statistics show a net inflow of about 1,260 for ZIP 34606 (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.