ZIP Code 34638: Population, Income, Housing

State: FL
Total population: 37,644 Household income: $123,899 Rent: $2,275

Overview

Total population
37,644
Rent
$2,275
Year built
2008
Household income
$123,899
Per capita income
$47,862
Poverty rate
7.4%
Unemployment rate
N/A
Household size
3.1 persons
Rent over 30% of income
43.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Florida
County
Pasco County
City
Land O' Lakes
Total population
37,644
Adults over 25
24,422
Total households
12,048
Household size
3.1 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$123,899
Per capita income
$47,862
Poverty rate
7.4%
Unemployment rate
N/A
Rent over 30% of income
43.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$2,275
Year built
2008
Households that rent
16.4%
Households that own
83.6%
Rooms per home (all homes)
6.7

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
62.5%
Black
6.7%
Asian
6.2%
Two or more races
20.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
24.7%
Not Hispanic or Latino
75.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
13,709 (72.6%)
Commute time to work
33 mins
Work from home
5,179 (27.4%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
21.5%
High school graduate or GED
22.1%
Some college or associate degree
12%
Bachelor’s degree or higher
44.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 34638 with: Pasco County, FL Tampa metro area, FL Florida United States

ZIP 34638

Total population37,644
Rent$2,275
Year built2008
Household income$123,899
Per capita income$47,862
Poverty rate7.4%
Unemployment rateN/A

Pasco County, FL

Total population611,444
Rent$1,505
Year built1992
Household income$70,492
Per capita income$38,864
Poverty rate11.1%
Unemployment rate3.5%

Tampa Metro Area, FL

Total population3,304,691
Rent$1,628
Year built1986
Household income$74,392
Per capita income$43,878
Poverty rate12%
Unemployment rate3.5%

Florida State

Total population22,416,077
Rent$1,669
Year built1988
Household income$74,568
Per capita income$42,609
Poverty rate12.6%
Unemployment rate3.4%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP34638 CountyPasco, FLMetro AreaTampa metro area, FLStateFloridaCountryUnited States
Total population37,644611,4443,304,69122,416,077334,922,499
Rent$2,275$1,505$1,628$1,669$1,413
Year built20081992198619881980
Household income$123,899$70,492$74,392$74,568$80,734
Per capita income$47,862$38,864$43,878$42,609$44,673
Poverty rate7.4%11.1%12%12.6%12.5%
Unemployment rateN/A3.5%3.5%3.4%4%

View the full multi-level comparison →

 

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Summary for 34638

Rent & Income

In 34638, the typical monthly rent is $2,275 and the typical household income is $123,899. Rent here is higher than Florida, and household income is higher than Florida. The estimated poverty rate is 7.4%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 16.4% of households. About 43.5% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is high, with about 44.5% of adults holding a bachelor’s degree or higher.

 

ZIP 34638 — Rent vs Household Income

 

 

ZIP 34638 — Poverty

 

 

How ZIP 34638 compares in Florida (299 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $2,275 280 / 299 from lower rent $999 – $3,263
Household income $123,899 11 / 299 from higher income $30,514 – $176,641
Poverty rate 7.4% 43 / 299 from lower poverty 2.8% – 48.7%

Rankings are calculated among ZIP Codes in Florida with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 34638

Rent

Rent-wise, this area comes 280th out of 299 ZIP Codes in Florida. At the state level, values extend from $999 in ZIP 34142 up to $3,263 in ZIP 33076.

Household income

Looking at income levels, ZIP Code 34638 holds the 11th out of 299 ZIP Codes. In Florida as a whole, the range goes from $30,514 in ZIP 32209 up to $176,641 in ZIP 33076.

Poverty rate

Regarding poverty rate, ZIP Code 34638 ranks 43rd out of 299 ZIP Codes. Statewide, values range from 2.8% in ZIP 32259 up to 48.7% in ZIP 32304.

 

💰 Rent in ZIP Code 34638 (with Utilities)

Estimated Monthly Rent: $2,275 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 34638

Annual Household Income: $123,899

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 34638

Estimated Rate: 7.4%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 34638

In ZIP Code 34638, households that rent: 1,970 (16.4%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 1,970 16.4%
Owner-Occupied 10,078 83.6%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 34638

In ZIP Code 34638, cost-burdened renters (households spending over 30% of income on housing): 857 (43.5%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 857 43.5%
Other renter households 1,113 56.5%
Total renter households 1,970 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 34638

Less than High School: 5,241 people (21.5%)

Includes adults who did not complete high school.

High School Graduate or GED: 5,392 people (22.1%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,925 people (12%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 10,864 people (44.5%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 24,422

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.