PlainZIP

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
$50,779
Median income
$260,200
Median home value
20.2%
Bachelor's or higher

The verdict

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.

ZIP code 34428 is classified by USPS as a standard delivery area and covers roughly 175.8 square miles in Crystal River, Citrus County, Florida. The area is home to 9,109 residents, producing a population density of 52 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 34428 against Florida and the nation.

On the economic side, the median household income for ZIP 34428 sits at $50,779 (34% below the Florida average), while per-capita income is $30,006. The poverty rate stands at 20.2% and the unemployment rate at 3.9%. On housing, the median home value is $260,200 (31% below the state average) with median rent at $974 per month, and 77.2% of occupied units are owner-occupied, a direct signal of whether 34428 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 20.2% of adults hold a bachelor's degree or higher, the median age is 55.2, and the average commute is 24 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Citrus County, so you can benchmark 34428 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 34428

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 34428.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 34428?

55.2

Median Age

49.5%

Male

50.5%

Female

4.2%

Foreign-Born

White 88.5%
African American 1.0%
Asian 1.7%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.8%
Hispanic or Latino 4.3%

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

$30,006

Per Capita Income

20.2%

Poverty Rate

3.9%

Unemployment Rate

24.2 min

Mean Commute Time

How ZIP 34428 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$50,779 15th percentile higher than 15% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 58.8%
Bachelor's Degree or Higher 20.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,362

Total Housing Units

4,513

Occupied Units

849

Vacant Units

2.25

Avg Household Size

Occupancy Type

Owner 77.2%
Renter 22.8%

$260,200

Median Home Value

-31% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 34428 ranks #2 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 34428 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
34429 Crystal River, FL 8,563 7.1 mi
34433 Dunnellon, FL 6,647 7.1 mi
34449 Inglis, FL 2,809 8.9 mi
34498 Yankeetown, FL 513 7.8 mi
34465 Beverly Hills, FL 15,870 9.0 mi

More ZIP Codes in Citrus County

34446 standard
Homosassa, FL
Pop: 16,326
34465 standard
Beverly Hills, FL
Pop: 15,870
34442 standard
Hernando, FL
Pop: 14,568
34452 standard
Inverness, FL
Pop: 11,919
34448 standard
Homosassa, FL
Pop: 10,797
34461 standard
Lecanto, FL
Pop: 10,562

Related Areas

Citrus County Crystal River, FL Florida

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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Crystal River, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.