ZIP Code 34215 — Cortez CDP, FL Demographics & Data

ZIP code 34215 covers Cortez, FL in Manatee County with a population of about 759.

At a glance, the area shows median age of 58.5 versus a U.S. median of about 38.9.

It sits in telephone area code 941; U.S. House district FL-16; the TAMPA - ST. PETE (SARASOTA) media market.

Cortez, FL fits a retirement-oriented profile (high share of residents 65+ (38.5%)). 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 34215 is about $76,364 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 0.0%; 35.8% of adults with a bachelor’s degree or higher (about 2.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Real estate, Food services, and Professional services; about 12.7% of workers reporting work-from-home (about 2.5 points below 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 $722,200 — about 107% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.3% (about 26.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34215 in Cortez, FL, a household would need roughly $199,000 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 $4,639. That is about 161% above the local median household income ($76,364), 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 Cortez CDP, FL as Relatively High (composite score 97.6), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.3) and flood (93.5). 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 Cortez CDP, FL show little to no average snow and around 49.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 34215 (Cortez 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.