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Hernando Beach CDP, FL

ZIP 34607 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34607

Median Home Value
$343,100
Median Rent
$1,091
Affordability Snapshot
$94,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,204/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

26.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 34607 in Hernando Beach CDP, FL, a household would need roughly $94,000 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 $2,204. That is about 54% above the local median household income ($61,221), 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.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
21.7%+111% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
32.8%-34% vs US avg
x
Mortgage-Free
55.6%+45% vs US avg
x
$343,100
Home Value
$1,091
Rent
1989
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached73.0%
  • 1-unit attached0.0%
  • 2-9 units3.4%
  • 10+ units6.0%
  • Mobile home & other17.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$343,100
Median rent$1,091
Owner-occupied81.8%
Vacant21.7%
Price-to-income5.6x
Est. income to buy$94,000