ZIP Code 34610 — Shady Hills CDP, FL Demographics & Data

ZIP code 34610 covers Shady Hills, FL in Pasco County with a population of about 16,544.

At a glance, the area shows median age of 40.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 352, 656, 727, 813; U.S. House district FL-12; the TAMPA - ST. PETE (SARASOTA) media market.

Median household income in ZIP 34610 is about $73,878 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 2.3%; 23.5% of adults with a bachelor’s degree or higher (about 10.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 11.0% of workers reporting work-from-home (about 4.2 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 $254,100 — about 27% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,033 (about 11% below the U.S. median rent ($1,163)), and owner-occupancy near 83.6% (about 18.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34610 in Shady Hills, FL, a household would need roughly $70,000 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 $1,632. That is roughly in line with the local median household income ($73,878). 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 Shady Hills CDP, FL as Relatively High (composite score 96.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.1) and flood (95.4). 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 Shady Hills 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 740 for ZIP 34610 (Shady Hills 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.