About ZIP 34689

ZIP code 34689 serves Tarpon Springs in Pinellas, Florida. It centers near 28.1385°, -82.7430° and, by population, qualifies as a sizable suburban ZIP. Roughly 27,076 people are estimated to live within its boundaries based on the U.S. Census Bureau's American Community Survey 5-Year Estimates (2018–2022).

The median household earns about $62,669 per year here. The typical owner-occupied home is valued near $284,300, and asking rents on the open market sit around $1,048 per month. Compared to the rest of Florida, that makes 34689 noticeably pricier than the state average. Looking at the entire state, the average ZIP code reports a median income closer to $45,669 and a median home value of $194,871.

The median resident is around 53.8 years old, and roughly 17.4% of the population holds at least a bachelor's degree. Unemployment estimates from the same Census release put the share of unemployed adults around 2.5% of the total population (the labor-force-only rate is higher, since not every resident is counted as "in the labor force").

Cost of living read

If you're considering a move into 34689, the most useful exercise is to compare the housing math against your current ZIP. Here, a typical home runs $284,300 and a typical rental runs $1,048 a month. Translate that into your own budget:

At a 7% 30-year mortgage with 20% down, financing the median home here lands monthly principal & interest near $1,513 — before property tax, insurance, or HOA dues.
Renting the median unit at $1,048/mo costs roughly $12,576 per year, or about 20.1% of the local median household income.
For movers from substantially cheaper or more expensive metros, the home-value gap (+$89,429 versus the state average of $194,871) is often the single biggest line item to plan for.

Who lives here

The age and education profile of a ZIP tells you a lot about what daily life feels like there. With a median age of 53.8 and a population of 27,076, ZIP 34689 reads as a more mature, established neighborhood with fewer young children.

Geography & nearby ZIPs

This ZIP centers at 28.1385, -82.7430. The eight closest neighboring ZIP codes are listed below — useful if you're scoping out the surrounding area, comparing schools, or just want a feel for the broader neighborhood than this one boundary captures.

34692 Holiday, FL 34691 Holiday, FL 34690 Holiday, FL 34684 Palm Harbor, FL 34681 Crystal Beach, FL 34688 Tarpon Springs, FL 34685 Palm Harbor, FL 34682 Palm Harbor, FL

Race & ethnicity (2019–2023 ACS)

The U.S. Census Bureau's 2019–2023 ACS 5-Year Estimates (table B03002) count 27,007 people in this ZIP Code Tabulation Area — a newer, supplemental release added alongside the core figures above. See the methodology page for why the core figures themselves have not yet been refreshed to this vintage.

Group	Count	% of total
Hispanic or Latino (any race)	2,758	10.2%
White alone (not Hispanic or Latino)	21,716	80.4%
Black or African American alone (not Hispanic or Latino)	1,545	5.7%
American Indian and Alaska Native alone (not Hispanic or Latino)	0	0.0%
Asian alone (not Hispanic or Latino)	172	0.6%
Native Hawaiian and Other Pacific Islander alone (not Hispanic or Latino)	0	0.0%
Some other race alone (not Hispanic or Latino)	101	0.4%
Two or more races (not Hispanic or Latino)	715	2.6%

Poverty status (2019–2023 ACS)

Of the 26,518 residents here for whom the Census Bureau determines poverty status (table B17001), 2,803 (10.6%) were below the poverty line in the past 12 months.

Commuting (2019–2023 ACS)

Among the 9,520 workers age 16+ here who did not work from home (table B08303), the Census Bureau's own travel-time brackets break down like this:

Travel time to work	Workers	% of workers
Less than 5 minutes	507	5.3%
5 to 9 minutes	1,056	11.1%
10 to 14 minutes	630	6.6%
15 to 19 minutes	867	9.1%
20 to 24 minutes	781	8.2%
25 to 29 minutes	593	6.2%
30 to 34 minutes	1,712	18.0%
35 to 39 minutes	316	3.3%
40 to 44 minutes	704	7.4%
45 to 59 minutes	1,238	13.0%
60 to 89 minutes	880	9.2%
90 minutes or more	236	2.5%

Housing occupancy (2019–2023 ACS)

Of the 14,193 housing units counted here (table B25002), 12,323 (86.8%) were occupied and 1,870 (13.2%) were vacant.

How to use this profile

Treat ZipLocal Guide as a starting point — never the final word — when you're researching a relocation. The Census ACS data on this page are reliable medians for the ZIP code tabulation area, but they tell you nothing about which side of the freeway you should live on, which streets the local high schoolers actually walk to school, or how the neighborhood has changed since the 2022 estimate window. For those, walk the area, talk to people on the street, and verify your assumptions with a local agent or community group.

If you find this neighborhood interesting, the easiest next step is to view all ZIPs in Tarpon Springs or browse the rest of Florida.

ZIP Code 34689 — Tarpon Springs, FL