Crystal River, FL · standard
ZIP Code 34428
Citrus County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,109
- 52/sq mi Moderate-density area
- $50,779
- Median income Below-median income area
- $260,200
- Median home value Near-median home value
- 20.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Crystal River pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.
- 15th pct
- household income, US ZIPs
- Top 40%
- home value, US ZIPs
- 52
- people per sq mi
- 77%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34428 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 34428 (Crystal River, FL) fell -3.6% from 2023 to 2024. The all-transactions index moved from 348.9 in 2023 to 336.4 in 2024 (2000 = 100).
ZIP code 34428 is a mid-sized community (a standard USPS delivery area) in Crystal River, Citrus County, Florida, home to 9,109 residents across 175.8 square miles, a density of 52 people per square mile, in the New York time zone.
ZIP 34428 reports a modest median household income of $50,779 (34% below the average Florida ZIP), while per-capita income is $30,006. The poverty rate is 20.2%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $260,200 (31% below the average Florida ZIP), and median rent is $974; owner occupancy is 77.2%.
Educational attainment sits below the national norm: 20.2% of adults hold a bachelor's degree or higher, the median age is 55.2, and the average commute is 24 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Citrus County, so 34428 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 34428
Top 5 sectors by establishment count in Crystal River, FL
Which industries have the most business establishments in ZIP 34428.
- Construction
Construction
35 establishments
- Retail trade
Retail trade
35 establishments
- Accommodation and food services
Accommodation and food services
26 establishments
- Health care and social assistance
Health care and social assistance
24 establishments
- Other services (except public administration)
Other services (except public administration)
21 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 34428, Crystal River, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
9,109
Population
175.8
Area (sq mi)
52
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 34428?
55.2
Median Age
49.5%
Male
50.5%
Female
4.2%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$50,779
Median Household Income
-34% vs state ZIP avg
$30,006
Per Capita Income
20.2%
Poverty Rate
3.9%
Unemployment Rate
24.2 min
Mean Commute Time
How ZIP 34428 ranks among Florida ZIPs
Crystal River, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$50,779 12th percentile higher than 12% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,362housing units
5,362
Total Housing Units
4,513
Occupied Units
849
Vacant Units
2.25
Avg Household Size
Occupancy Type
$260,200
Median Home Value
-31% vs state ZIP avg
$974
Median Rent
1988
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-3.6%
YoY Change (2024)
336
HPI Index (2000 = 100)
+236%
Total Change Since 2000
Home values in ZIP 34428 have decreased 3.6% over the past year (2024). Since 2000, this ZIP has seen +236% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.4% | 211 |
| 2021 | +19.2% | 252 |
| 2022 | +26.2% | 317 |
| 2023 | +9.9% | 349 |
| 2024 | -3.6% | 336 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 243 business establishments in ZIP 34428, employing approximately 2,641 people with a combined annual payroll of $146,688,000.
243
Businesses
2,641
Employees
$146.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 35 | 14.4% |
| Retail trade | 35 | 14.4% |
| Accommodation and food services | 26 | 10.7% |
| Health care and social assistance | 24 | 9.9% |
| Other services (except public administration) | 21 | 8.6% |
| Real estate and rental and leasing | 19 | 7.8% |
| Professional, scientific, and technical services | 19 | 7.8% |
| Administrative and support and waste management and remediation services | 16 | 6.6% |
| Utilities | 14 | 5.8% |
| Manufacturing | 8 | 3.3% |
| Wholesale trade | 8 | 3.3% |
| Finance and insurance | 5 | 2.1% |
| Mining, quarrying, and oil and gas extraction | 3 | 1.2% |
| Transportation and warehousing | 3 | 1.2% |
| Information | 3 | 1.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 34428 vs 34429 →
ZIP 34428 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34465
Beverly Hills (34465)
15,870 residents
- 34428
Crystal River (34428)
9,109 residents
- 34429
Crystal River (34429)
8,563 residents
- 34433
Dunnellon (34433)
6,647 residents
- 34449 2,809
Inglis (34449)
2,809 residents
- 34498 513
Yankeetown (34498)
513 residents
What this shows Among its immediate neighbors, ZIP 34428 ranks #2 by population - useful context the national average alone can't give.
ZIP 34428 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34498
Yankeetown (34498)
$60,865 median income
- 34433
Dunnellon (34433)
$58,946 median income
- 34429
Crystal River (34429)
$55,395 median income
- 34465
Beverly Hills (34465)
$54,869 median income
- 34428
Crystal River (34428)
$50,779 median income
- 34449
Inglis (34449)
$43,656 median income
What this shows By household income, ZIP 34428 ranks #5 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 34428, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,109 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Citrus County
Related Areas
Frequently Asked Questions
What county is ZIP code 34428 in?
ZIP code 34428 (Crystal River) is located in Citrus County, Florida. Citrus County contains multiple ZIP codes, see the full list at /counties/citrus-fl.
What is the population of ZIP code 34428?
ZIP code 34428 in Crystal River, FL has a population of 9,109 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34428?
The median household income in ZIP 34428 is $50,779, which is 33% below the national average of $76,288.
What is the average home value in ZIP 34428?
The median home value in ZIP 34428 is $260,200, which is 6% below the national average of $278,155.
What is the demographic makeup of ZIP 34428?
The largest racial group in ZIP 34428 is White at 88.5%. Hispanic or Latino residents make up 4.3% of the population.
How many businesses are in ZIP code 34428?
ZIP code 34428 has 243 business establishments employing approximately 2,641 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34428?
The top industries by establishment count in ZIP 34428 are: Construction (35), Retail trade (35), Accommodation and food services (26). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 34428?
According to the FHFA House Price Index, home values in ZIP 34428 decreased by 3.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 236%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 34428?
In ZIP code 34428, 58.8% of residents aged 25+ have a high school diploma or higher, and 20.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 34428?
The mean commute time for workers in ZIP code 34428 is 24.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 34428?
In ZIP code 34428, approximately 77.2% of occupied housing units are owner-occupied and 22.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34428?
The poverty rate in ZIP code 34428 is 20.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 34428's numbers, next.
- See how ZIP 34428 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Crystal River, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.