US5.com
  1. Home
  2. States
  3. Florida
  4. ZIP 34639
  5. Housing & Real Estate
Land O' Lakes CDP, FL

ZIP 34639 — 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 34639

Median Home Value
$361,100
Median Rent
$1,807
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,320/mo PITI).

22%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

16.7 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 34639 in Land O' Lakes CDP, FL, a household would need roughly $99,000 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 $2,320. That is roughly in line with the local median household income ($99,959). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
80.6%+23% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
10.3%-30% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$361,100
Home Value
$1,807
Rent
2002
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached81.6%
  • 1-unit attached4.6%
  • 2-9 units2.7%
  • 10+ units7.4%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$361,100
Median rent$1,807
Owner-occupied80.6%
Vacant3.8%
Price-to-income3.6x
Est. income to buy$99,000