ZIP Code 34654 — Moon Lake CDP, FL Demographics & Data

ZIP code 34654 covers Moon Lake, FL in Pasco County with a population of about 24,357.

At a glance, the area shows median age of 44.4 versus a U.S. median of about 38.9.

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

Moon Lake, FL sits in a university / college context (near pasco-hernando state college (1.8 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 34654 is about $64,210 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.9%; unemployment rate near 8.9%; 21.9% of adults with a bachelor’s degree or higher (about 11.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 15.6% of workers reporting work-from-home (roughly in line with 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 $257,500 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,281 (about 10% above the U.S. median rent ($1,163)), and owner-occupancy near 78.1% (about 12.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34654 in Moon Lake, FL, a household would need roughly $71,000 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 $1,654. That is roughly in line with the local median household income ($64,210). 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 Moon Lake 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 Moon Lake CDP, FL show little to no average snow and around 54.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,090 for ZIP 34654 (Moon Lake 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.