ZIP Code 33634 — Town 'n' Country CDP, FL Demographics & Data

ZIP code 33634 covers Town 'n' Country, FL in Hillsborough County with a population of about 21,643.

At a glance, the area shows median age of 38.9 (near the U.S. median).

It sits in telephone area codes 656, 813; U.S. House district FL-14; the TAMPA - ST. PETE (SARASOTA) media market.

Town 'n' Country, FL sits in a university / college context (near faith theological seminary and christian college (2.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 33634 is about $69,185 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 4.0%; 27.9% of adults with a bachelor’s degree or higher (about 5.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Transportation; about 15.2% of workers reporting work-from-home (roughly in line with 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 $310,900 — about 11% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,583 (about 36% above the U.S. median rent ($1,163)), and owner-occupancy near 58.3% (about 7.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33634 in Town 'n' Country, FL, a household would need roughly $86,000 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 $1,997. That is about 24% above the local median household income ($69,185), so the median earner would likely stretch or need a larger down payment. 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 Town 'n' Country CDP, FL as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.3) and flood (97.8). 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 Town 'n' Country CDP, FL show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 969 for ZIP 33634 (Town 'n' Country 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.