PlainZIP

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
$57,259
Median income
$338,600
Median home value
26.5%
Bachelor's or higher

The verdict

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.

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 Florida average), while per-capita income is $41,269. Local economic indicators show a 14.1% poverty rate alongside 7.7% unemployment. Housing costs here run $338,600 for a typical home value (10% below the state average), with rent averaging $995 a month; 87.1% of 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. To put 34442 in local context, 8 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Citrus County, for a geography-aware comparison.

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.

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 + 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

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 34442?

65.0

Median Age

51.8%

Male

48.2%

Female

7.6%

Foreign-Born

White 91.1%
African American 1.8%
Asian 2.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.2%
Hispanic or Latino 3.8%

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

$41,269

Per Capita Income

14.1%

Poverty Rate

7.7%

Unemployment Rate

26.4 min

Mean Commute Time

How ZIP 34442 ranks nationally

Hernando, FL household income vs. every US ZIP code

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

$57,259 24th percentile higher than 24% 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 61.3%
Bachelor's Degree or Higher 26.5%

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

What does housing look like?

10,347

Total Housing Units

8,442

Occupied Units

1,905

Vacant Units

2.03

Avg Household Size

Occupancy Type

Owner 87.1%
Renter 12.9%

$338,600

Median Home Value

-10% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 34442 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 34442 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 34442 ranks #5 of 8 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
34445 Holder, FL 44 3.6 mi
34453 Inverness, FL 10,112 4.2 mi
34465 Beverly Hills, FL 15,870 6.8 mi
34434 Dunnellon, FL 8,191 5.8 mi
34432 Dunnellon, FL 12,273 9.5 mi
34450 Inverness, FL 10,293 9.2 mi
34433 Dunnellon, FL 6,647 9.9 mi
34461 Lecanto, FL 10,562 10.3 mi

More ZIP Codes in Citrus County

34446 standard
Homosassa, FL
Pop: 16,326
34465 standard
Beverly Hills, FL
Pop: 15,870
34452 standard
Inverness, FL
Pop: 11,919
34448 standard
Homosassa, FL
Pop: 10,797
34461 standard
Lecanto, FL
Pop: 10,562
34450 standard
Inverness, FL
Pop: 10,293

Related Areas

Citrus County Hernando, FL Florida

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.

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