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Tarpon Springs city, FL

ZIP 34689 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34689

Median Home Value
$311,500
Median Rent
$1,022
Affordability Snapshot
$86,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,001/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 34689 in Tarpon Springs city, 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 $2,001. That is about 29% above the local median household income ($66,523), 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.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
13.2%+28% vs US avg
x
Broadband Access
85.2%-2% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
34.5%-31% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$311,500
Home Value
$1,022
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached57.0%
  • 1-unit attached7.7%
  • 2-9 units12.5%
  • 10+ units11.0%
  • Mobile home & other11.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$311,500
Median rent$1,022
Owner-occupied81.8%
Vacant13.2%
Price-to-income4.7x
Est. income to buy$86,000