Hernando, FL · standard
ZIP Code 34442
Citrus County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 14,568
- 128/sq mi High-density area
- $57,259
- Median income Below-median income area
- $338,600
- Median home value Above-median home value
- 26.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Hernando pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.
- 24th pct
- household income, US ZIPs
- Top 28%
- home value, US ZIPs
- 128
- people per sq mi
- 87%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34442 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 34442 (Hernando, FL) rose +5.1% from 2023 to 2024. The all-transactions index moved from 287.7 in 2023 to 302.3 in 2024 (2000 = 100).
ZIP code 34442 is a mid-sized community (a standard USPS delivery area) in Hernando, Citrus County, Florida, home to 14,568 residents across 113.5 square miles, a density of 128 people per square mile, in the New York time zone.
ZIP 34442 reports a modest median household income of $57,259 (26% below the average Florida ZIP), while per-capita income is $41,269. The poverty rate is 14.1%, with unemployment at 7.7%; those measures add context to the income figure. Median home value is $338,600 (10% below the average Florida ZIP) and median rent is $995; 87.1% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 26.5% of adults hold a bachelor's degree or higher, the median age is 65, and the average commute is 26 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Citrus County, so 34442 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 34442
Top 5 sectors by establishment count in Hernando, FL
Which industries have the most business establishments in ZIP 34442.
- Construction
Construction
42 establishments
- Retail trade
Retail trade
37 establishments
- Health care and social assistance
Health care and social assistance
35 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
28 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
22 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 34442, Hernando, 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
14,568
Population
113.5
Area (sq mi)
128
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 34442?
65.0
Median Age
51.8%
Male
48.2%
Female
7.6%
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?
$57,259
Median Household Income
-26% vs state ZIP avg
$41,269
Per Capita Income
14.1%
Poverty Rate
7.7%
Unemployment Rate
26.4 min
Mean Commute Time
How ZIP 34442 ranks among Florida ZIPs
Hernando, 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)
$57,259 21st percentile higher than 21% 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
10,347housing units
10,347
Total Housing Units
8,442
Occupied Units
1,905
Vacant Units
2.03
Avg Household Size
Occupancy Type
$338,600
Median Home Value
-10% vs state ZIP avg
$995
Median Rent
1996
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
+5.1%
YoY Change (2024)
302
HPI Index (2000 = 100)
+202%
Total Change Since 2000
Home values in ZIP 34442 have increased 5.1% over the past year (2024). Since 2000, this ZIP has seen +202% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.4% | 186 |
| 2021 | +14.8% | 213 |
| 2022 | +17.3% | 250 |
| 2023 | +15.0% | 288 |
| 2024 | +5.1% | 302 |
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 258 business establishments in ZIP 34442, employing approximately 2,335 people with a combined annual payroll of $94,679,000.
258
Businesses
2,335
Employees
$94.7M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 42 | 16.3% |
| Retail trade | 37 | 14.3% |
| Health care and social assistance | 35 | 13.6% |
| Administrative and support and waste management and remediation services | 28 | 10.8% |
| Real estate and rental and leasing | 22 | 8.5% |
| Other services (except public administration) | 21 | 8.1% |
| Professional, scientific, and technical services | 18 | 7.0% |
| Accommodation and food services | 16 | 6.2% |
| Finance and insurance | 12 | 4.7% |
| Wholesale trade | 10 | 3.9% |
| Manufacturing | 7 | 2.7% |
| 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 34442 vs 34445 →
ZIP 34442 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
- 34442
Hernando (34442)
14,568 residents
- 34432
Dunnellon (34432)
12,273 residents
- 34461
Lecanto (34461)
10,562 residents
- 34450
Inverness (34450)
10,293 residents
- 34453
Inverness (34453)
10,112 residents
- 34434
Dunnellon (34434)
8,191 residents
- 34433
Dunnellon (34433)
6,647 residents
- 34445 44
Holder (34445)
44 residents
What this shows Among its immediate neighbors, ZIP 34442 ranks #2 by population - useful context the national average alone can't give.
ZIP 34442 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34434
Dunnellon (34434)
$68,939 median income
- 34461
Lecanto (34461)
$63,418 median income
- 34433
Dunnellon (34433)
$58,946 median income
- 34453
Inverness (34453)
$57,568 median income
- 34442
Hernando (34442)
$57,259 median income
- 34465
Beverly Hills (34465)
$54,869 median income
- 34432
Dunnellon (34432)
$50,446 median income
- 34450
Inverness (34450)
$48,763 median income
What this shows By household income, ZIP 34442 ranks #5 of 8 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 34442, 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 (14,568 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 34442 in?
ZIP code 34442 (Hernando) 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 34442?
ZIP code 34442 in Hernando, FL has a population of 14,568 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34442?
The median household income in ZIP 34442 is $57,259, which is 25% below the national average of $76,288.
What is the average home value in ZIP 34442?
The median home value in ZIP 34442 is $338,600, which is 22% above the national average of $278,155.
What is the demographic makeup of ZIP 34442?
The largest racial group in ZIP 34442 is White at 91.1%. Hispanic or Latino residents make up 3.8% of the population.
How many businesses are in ZIP code 34442?
ZIP code 34442 has 258 business establishments employing approximately 2,335 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34442?
The top industries by establishment count in ZIP 34442 are: Construction (42), Retail trade (37), Health care and social assistance (35). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 34442?
According to the FHFA House Price Index, home values in ZIP 34442 increased by 5.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 202%. 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 34442?
In ZIP code 34442, 61.3% of residents aged 25+ have a high school diploma or higher, and 26.5% 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 34442?
The mean commute time for workers in ZIP code 34442 is 26.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 34442?
In ZIP code 34442, approximately 87.1% of occupied housing units are owner-occupied and 12.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34442?
The poverty rate in ZIP code 34442 is 14.1% 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 34442's numbers, next.
- See how ZIP 34442 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Hernando, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.