PlainZIP

Inverness, FL · standard

ZIP Code 34450

Citrus County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

10,293
154/sq mi
$48,763
Median income
$236,100
Median home value
26.6%
Bachelor's or higher

The verdict

Inverness pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.

13th pct
household income, US ZIPs
Top 46%
home value, US ZIPs
154
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34450 against every reporting US ZIP.

ZIP code 34450 is a mid-sized community (a standard USPS delivery area) in Inverness, Citrus County, Florida, home to 10,293 residents across 66.8 square miles, a density of 154 people per square mile, in the New York time zone.

ZIP 34450 reports a modest median household income of $48,763 (37% below the Florida average), while per-capita income is $43,820. The poverty rate stands at 14.3% and the unemployment rate at 10.5%. On housing, the median home value is $236,100 (37% below the state average) with median rent at $1,016 per month, and 84.2% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 26.6% of adults hold a bachelor's degree or higher, the median age is 58.5, and the average commute is 30 minutes. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 34450, plus 6 more within Citrus County, give a clearer read than the national average alone.

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 34450

Top 5 sectors by establishment count in Inverness, FL

Which industries have the most business establishments in ZIP 34450.

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 34450, Inverness, 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

10,293

Population

66.8

Area (sq mi)

154

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 34450?

58.5

Median Age

45.8%

Male

54.2%

Female

7.4%

Foreign-Born

White 81.7%
African American 2.0%
Asian 3.1%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.2%
Hispanic or Latino 9.7%

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?

$48,763

Median Household Income

-37% vs state

$43,820

Per Capita Income

14.3%

Poverty Rate

10.5%

Unemployment Rate

30.3 min

Mean Commute Time

How ZIP 34450 ranks nationally

Inverness, FL household income vs. every US ZIP code

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

$48,763 13th percentile higher than 13% 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 60.4%
Bachelor's Degree or Higher 26.6%

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

What does housing look like?

6,657

Total Housing Units

5,462

Occupied Units

1,195

Vacant Units

2.09

Avg Household Size

Occupancy Type

Owner 84.2%
Renter 15.8%

$236,100

Median Home Value

-37% vs state

$1,016

Median Rent

1984

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

+1.3%

YoY Change (2024)

339

HPI Index (2000 = 100)

+239%

Total Change Since 2000

Home values in ZIP 34450 have increased 1.3% over the past year (2024). Since 2000, this ZIP has seen +239% cumulative appreciation.

Year Annual Change HPI Index
2020 +11.2% 204
2021 +18.6% 242
2022 +22.1% 295
2023 +13.2% 334
2024 +1.3% 339

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 299 business establishments in ZIP 34450, employing approximately 2,692 people with a combined annual payroll of $93,597,000.

299

Businesses

2,692

Employees

$93.6M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 41 13.7%
Retail trade 39 13.0%
Professional, scientific, and technical services 37 12.4%
Other services (except public administration) 35 11.7%
Real estate and rental and leasing 28 9.4%
Health care and social assistance 28 9.4%
Construction 24 8.0%
Finance and insurance 22 7.4%
Administrative and support and waste management and remediation services 12 4.0%
Information 9 3.0%
Arts, entertainment, and recreation 7 2.3%
Wholesale trade 5 1.7%
Transportation and warehousing 5 1.7%
Manufacturing 4 1.3%

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 34450 vs 33538 →

ZIP 34450 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 34450 ranks #3 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 34450 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 34450 ranks #6 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
33538 Lake Panasoffkee, FL 4,789 5.9 mi
34453 Inverness, FL 10,112 5.2 mi
34436 Floral City, FL 7,938 7.9 mi
34452 Inverness, FL 11,919 6.7 mi
34442 Hernando, FL 14,568 9.2 mi
34445 Holder, FL 44 12.8 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 Inverness, FL Florida

Frequently Asked Questions

What county is ZIP code 34450 in? ▼
ZIP code 34450 (Inverness) 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 34450? ▼
ZIP code 34450 in Inverness, FL has a population of 10,293 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34450? ▼
The median household income in ZIP 34450 is $48,763, which is 36% below the national average of $76,288.
What is the average home value in ZIP 34450? ▼
The median home value in ZIP 34450 is $236,100, which is 15% below the national average of $278,155.
What is the demographic makeup of ZIP 34450? ▼
The largest racial group in ZIP 34450 is White at 81.7%. Hispanic or Latino residents make up 9.7% of the population.
How many businesses are in ZIP code 34450? ▼
ZIP code 34450 has 299 business establishments employing approximately 2,692 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34450? ▼
The top industries by establishment count in ZIP 34450 are: Accommodation and food services (41), Retail trade (39), Professional, scientific, and technical services (37). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 34450? ▼
According to the FHFA House Price Index, home values in ZIP 34450 increased by 1.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 239%. 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 34450? ▼
In ZIP code 34450, 60.4% of residents aged 25+ have a high school diploma or higher, and 26.6% 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 34450? ▼
The mean commute time for workers in ZIP code 34450 is 30.3 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 34450? ▼
In ZIP code 34450, approximately 84.2% of occupied housing units are owner-occupied and 15.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34450? ▼
The poverty rate in ZIP code 34450 is 14.3% 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.