Land O Lakes, FL · standard
ZIP Code 34638
Pasco County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 20,048
- 162/sq mi High-density area
- $123,899
- Median income Above-median income area
- $433,600
- Median home value Above-median home value
- 44.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Land O Lakes pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 8%
- household income, US ZIPs
- Top 18%
- home value, US ZIPs
- 162
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34638 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 34638 (Land O Lakes, FL) fell -7.2% from 2023 to 2024. The all-transactions index moved from 323.0 in 2023 to 299.7 in 2024 (2000 = 100).
ZIP code 34638 is a densely settled ZIP (a standard USPS delivery area) in Land O Lakes, Pasco County, Florida, with 20,048 residents across 123.8 square miles, a density of 162 people per square mile, in the New York time zone.
ZIP 34638 skews affluent, with a median household income of $123,899 (61% above the average Florida ZIP), while per-capita income is $47,862. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.4% and unemployment is 2.6%. Housing is both higher-cost and owner-heavy: median home value is $433,600 (16% above the average Florida ZIP), while 83.6% of occupied homes are owner-occupied and median rent is $2,275.
A solid share of residents have a four-year degree: 44.5% of adults hold a bachelor's degree or higher, the median age is 38.4, and the average commute is 33 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Pasco County, so 34638 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 34638
Top 5 sectors by establishment count in Land O Lakes, FL
Which industries have the most business establishments in ZIP 34638.
- Professional, scientific, and technical services
Professional, scientific, and technical services
117 establishments
- Construction
Construction
70 establishments
- Health care and social assistance
Health care and social assistance
65 establishments
- Other services (except public administration)
Other services (except public administration)
53 establishments
- Retail trade
Retail trade
49 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 34638, Land O Lakes, 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
20,048
Population
123.8
Area (sq mi)
162
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 34638?
38.4
Median Age
49.0%
Male
51.0%
Female
17.1%
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?
$123,899
Median Household Income
+61% vs state ZIP avg
$47,862
Per Capita Income
7.4%
Poverty Rate
2.6%
Unemployment Rate
33.2 min
Mean Commute Time
How ZIP 34638 ranks among Florida ZIPs
Land O Lakes, 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)
$123,899 Top 6% higher than 94% 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
12,712housing units
12,712
Total Housing Units
12,048
Occupied Units
664
Vacant Units
3.12
Avg Household Size
Occupancy Type
$433,600
Median Home Value
+16% vs state ZIP avg
$2,275
Median Rent
2008
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
-7.2%
YoY Change (2024)
300
HPI Index (2000 = 100)
+200%
Total Change Since 2000
Home values in ZIP 34638 have decreased 7.2% over the past year (2024). Since 2000, this ZIP has seen +200% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.2% | 192 |
| 2021 | +21.8% | 234 |
| 2022 | +15.8% | 271 |
| 2023 | +19.0% | 323 |
| 2024 | -7.2% | 300 |
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 594 business establishments in ZIP 34638, employing approximately 4,273 people with a combined annual payroll of $190,614,000.
594
Businesses
4,273
Employees
$190.6M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 117 | 19.7% |
| Construction | 70 | 11.8% |
| Health care and social assistance | 65 | 10.9% |
| Other services (except public administration) | 53 | 8.9% |
| Retail trade | 49 | 8.3% |
| Real estate and rental and leasing | 46 | 7.7% |
| Finance and insurance | 43 | 7.2% |
| Administrative and support and waste management and remediation services | 41 | 6.9% |
| Accommodation and food services | 38 | 6.4% |
| Transportation and warehousing | 28 | 4.7% |
| Wholesale trade | 14 | 2.4% |
| Arts, entertainment, and recreation | 11 | 1.9% |
| Manufacturing | 7 | 1.2% |
| Educational services | 6 | 1.0% |
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 34638 vs 34637 →
ZIP 34638 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34655
New Port Richey (34655)
38,464 residents
- 34639
Land O Lakes (34639)
24,092 residents
- 33556
Odessa (33556)
22,015 residents
- 34654
New Port Richey (34654)
21,716 residents
- 33558
Lutz (33558)
20,064 residents
- 34638
Land O Lakes (34638)
20,048 residents
- 33549
Lutz (33549)
16,132 residents
- 34610 12,907
Spring Hill (34610)
12,907 residents
- 34669 12,648
Hudson (34669)
12,648 residents
What this shows Among its immediate neighbors, ZIP 34638 ranks #6 by population - useful context the national average alone can't give.
ZIP 34638 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 33556
Odessa (33556)
$149,722 median income
- 33548
Lutz (33548)
$129,857 median income
- 34638
Land O Lakes (34638)
$123,899 median income
- 33558
Lutz (33558)
$116,090 median income
- 34637
Land O Lakes (34637)
$115,214 median income
- 34639
Land O Lakes (34639)
$101,486 median income
- 33549
Lutz (33549)
$89,343 median income
- 34655
New Port Richey (34655)
$85,470 median income
- 34610
Spring Hill (34610)
$77,396 median income
What this shows By household income, ZIP 34638 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 34637 | Land O Lakes, FL | 6,297 | 4.3 mi |
| 33558 | Lutz, FL | 20,064 | 7.0 mi |
| 34639 | Land O Lakes, FL | 24,092 | 5.9 mi |
| 34654 | New Port Richey, FL | 21,716 | 7.0 mi |
| 34610 | Spring Hill, FL | 12,907 | 8.6 mi |
| 34655 | New Port Richey, FL | 38,464 | 7.1 mi |
| 33548 | Lutz, FL | 5,807 | 8.7 mi |
| 33556 | Odessa, FL | 22,015 | 9.3 mi |
| 34669 | Hudson, FL | 12,648 | 8.9 mi |
| 33549 | Lutz, FL | 16,132 | 9.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 34638, 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 (20,048 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Pasco County
Related Areas
Frequently Asked Questions
What county is ZIP code 34638 in?
ZIP code 34638 (Land O Lakes) is located in Pasco County, Florida. Pasco County contains multiple ZIP codes, see the full list at /counties/pasco-fl.
What is the population of ZIP code 34638?
ZIP code 34638 in Land O Lakes, FL has a population of 20,048 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34638?
The median household income in ZIP 34638 is $123,899, which is 62% above the national average of $76,288.
What is the average home value in ZIP 34638?
The median home value in ZIP 34638 is $433,600, which is 56% above the national average of $278,155.
What is the demographic makeup of ZIP 34638?
The largest racial group in ZIP 34638 is White at 62.5%. Hispanic or Latino residents make up 24.7% of the population.
How many businesses are in ZIP code 34638?
ZIP code 34638 has 594 business establishments employing approximately 4,273 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34638?
The top industries by establishment count in ZIP 34638 are: Professional, scientific, and technical services (117), Construction (70), Health care and social assistance (65). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 34638?
According to the FHFA House Price Index, home values in ZIP 34638 decreased by 7.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 200%. 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 34638?
In ZIP code 34638, 66.6% of residents aged 25+ have a high school diploma or higher, and 44.5% 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 34638?
The mean commute time for workers in ZIP code 34638 is 33.2 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 34638?
In ZIP code 34638, approximately 83.6% of occupied housing units are owner-occupied and 16.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34638?
The poverty rate in ZIP code 34638 is 7.4% 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 34638's numbers, next.
- See how ZIP 34638 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Land O Lakes, 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.