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Land O' Lakes CDP, FL

ZIP 34638 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34638

Median Home Value
$378,200
Median Rent
$1,959
Affordability Snapshot
$104,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,429/mo PITI).

20%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

16.1 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 34638 in Land O' Lakes CDP, FL, a household would need roughly $104,000 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 $2,429. That sits below the local median household income ($117,931), 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
82.6%+26% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
13.2%-11% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
6.5%-6% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
24.9%-35% vs US avg
x
$378,200
Home Value
$1,959
Rent
2008
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached77.5%
  • 1-unit attached9.9%
  • 2-9 units0.9%
  • 10+ units6.7%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$378,200
Median rent$1,959
Owner-occupied82.6%
Vacant5.3%
Price-to-income3.2x
Est. income to buy$104,000