ZIP Code 34639 — Land O' Lakes CDP, FL Demographics & Data

ZIP code 34639 covers Land O' Lakes, FL in Pasco County with a population of about 31,118.

At a glance, the area shows median age of 40.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 656, 813; U.S. House district FL-12; the TAMPA - ST. PETE (SARASOTA) media market.

Median household income in ZIP 34639 is about $99,959 — about 33% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 4.5%; 36.9% of adults with a bachelor’s degree or higher (about 3.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 18.8% of workers reporting work-from-home (about 3.6 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 $361,100 — about 4% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,807 (about 55% above the U.S. median rent ($1,163)), and owner-occupancy near 80.6% (about 15.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34639 in Land O' Lakes, FL, a household would need roughly $99,000 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 $2,320. That is roughly in line with the local median household income ($99,959). 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 Land O' Lakes 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 Land O' Lakes 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 1,393 for ZIP 34639 (Land O' Lakes 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.