ZIP Code 33540 — Crystal Springs CDP, FL Demographics & Data

ZIP code 33540 covers Crystal Springs, FL in Pasco County with a population of about 11,098.

At a glance, the area shows median age of 56.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 656, 813; U.S. House district FL-15; the TAMPA - ST. PETE (SARASOTA) media market.

Crystal Springs, FL fits a retirement-oriented profile (high share of residents 65+ (35.9%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 33540 is about $55,426 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.4%; unemployment rate near 6.3%; 18.4% of adults with a bachelor’s degree or higher (about 15.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 16.2% of workers reporting work-from-home (about 1.0 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $120,600 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $886 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 87.8% (about 22.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33540 in Crystal Springs, FL, a household would need roughly $33,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $775. That sits below the local median household income ($55,426), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Crystal Springs CDP, FL as Relatively High (composite score 96.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.1) and flood (95.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Crystal Springs CDP, FL show little to no average snow and around 53.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 497 for ZIP 33540 (Crystal Springs CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.