34442 ZIP Code — Hernando, FL

Citrus County, Florida

ZIP code 34442 is located in Hernando, Florida, within Citrus County. It covers approximately 36.43 square miles and serves a population of 16,674 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 352.

About ZIP code 34442

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $257,800. Owner-occupancy is high at 87%, well above the national average.

The gap between median ($51,216) and mean household income suggests income inequality — a small number of higher earners pull the average up. 74% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 31 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%; and disability rates above the national average at 22%.

Overall, ZIP code 34442 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

16,674

population

36.43

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34442 ZIP code map

Cities in ZIP code 34442

Below are the cities the US Postal Service accepts for ZIP code 34442. Using any city not on this list may result in mail delivery delays.

City	Status
Hernando	Acceptable
Hernando	Preferred

Nearby ZIP codes

34453 Inverness (4.3 mi) 34434 Dunnellon (5.3 mi) 34450 Inverness (9.5 mi) 34461 Lecanto (10.5 mi) 34452 Inverness (10.6 mi) 33538 Lake Panasoffkee (11.4 mi) 34433 Dunnellon (11.4 mi) 34432 Dunnellon (12 mi) 34473 Ocala (12.1 mi) 34481 Ocala (13.5 mi) 34436 Floral City (14.3 mi) 34476 Ocala (14.7 mi)

Demographics updated 06/2026

Population
Total population	16,674
Population density	458 / sq mi
State FIPS	12
County FIPS	017

Geography
Land area	36.43 sq mi
Water area	3.99 sq mi
Latitude	28.9287
Longitude	-82.3717
Timezone	Eastern (ET)
Area code	352

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.2%	54.8%	43.4%
$50k – $100k	28.0%	29.7%	30.8%
$100k – $200k	15.7%	12.9%	19.3%
Over $200k	5.1%	2.7%	6.4%

Demographics & statistics

16,674

Population

458

People per sq mi

65.0

Median age

$51,216

Median household income

$37,155

Per capita income

$257,800

Median home value

$848

Median monthly rent

87.2%

Home ownership

16.0%

Poverty rate

11.0%

Unemployment

8,769

Housing units

26.8%

Bachelor's or higher

Age distribution

Male Female

137

Under 5

140

212

5–9

215

355

10–14

361

348

15–19

353

133

20–24

135

458

25–34

466

453

35–44

461

741

45–54

753

572

55–59

581

720

60–64

732

2,131

65–74

2,165

1,565

75–84

1,590

445

85+

452

← Male

Female →

Age summary

Group	Count	%
Under 18	1,887	11.3%
18 and over	14,787	88.7%
65 and over	8,348	50.1%
Median age	65.0 years

Race & ethnicity

White 89.9%

Two or more races 3.2%

Asian 2.5%

Black or African American 2.3%

Hispanic or Latino 1.7%

Other race 0.4%

American Indian / Alaska Native 0.1%

Group	Count	%
White	15,242	89.9%
Two or more races	545	3.2%
Asian	419	2.5%
Black or African American	386	2.3%
Hispanic or Latino	289	1.7%
Other race	64	0.4%
American Indian / Alaska Native	18	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.2%	54.8%	43.4%
$50k – $100k	28.0%	29.7%	30.8%
$100k – $200k	15.7%	12.9%	19.3%
Over $200k	5.1%	2.7%	6.4%

Under $10k 4.5%

$10k–$15k 10.8%

$15k–$25k 8.9%

$25k–$35k 12.6%

$35k–$50k 11.8%

$50k–$75k 14.1%

$75k–$100k 13.0%

$100k–$150k 11.7%

$150k–$200k 6.5%

$200k+ 6.0%

Range	% of households
Under $10k	4.5%
$10k–$15k	10.8%
$15k–$25k	8.9%
$25k–$35k	12.6%
$35k–$50k	11.8%
$50k–$75k	14.1%
$75k–$100k	13.0%
$100k–$150k	11.7%
$150k–$200k	6.5%
$200k+	6.0%
Median income	$51,216

Housing

Home values

Under $50k 6.9%

$50k–$100k 10.2%

$100k–$150k 10.8%

$150k–$200k 11.4%

$200k–$300k 20.0%

$300k–$500k 31.5%

$500k–$1M 8.7%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$257,800
Median rent / month	$848
Owner occupied	87.2%
Renter occupied	12.8%
Vacant	19.7%
Single-family detached	64.7%
Large apartment buildings	1.5%
Mobile homes	25.7%
Median rooms	5.7
Avg household size (owned)	2.13

Year built

Era	%
2020 or later	0.9%
2010–2019	9.5%
2000–2009	25.5%
1990–1999	20.7%
1980–1989	23.0%
1970–1979	13.8%
1960–1969	3.9%
1950–1959	1.5%
1940–1949	1.0%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	3.4%
2 bedrooms	37.9%
3 bedrooms	49.1%
4 bedrooms	8.8%
5+ bedrooms	0.5%

Vehicles per household

Vehicles	% of households
No vehicle	3.4%
1 vehicle	42.0%
2 vehicles	41.3%
3 or more	13.2%

Heating fuel

Fuel type	%
Utility gas	4.3%
Electricity	92.8%
Propane / LP gas	1.1%
Wood	0.5%
Solar	0.4%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	4,371	55.7%
Cohabiting couple	311	4.0%
Male householder, no spouse	1,506	19.2%
Female householder, no spouse	1,655	21.1%
Households with children under 18	938	12.0%
Households with seniors (65+)	5,502	70.2%
Average household size	2.11

Marital status

Status	Male	Female
Never married	19.3%	13.0%
Married	60.5%	58.8%
Separated	1.2%	0.6%
Widowed	8.1%	17.4%
Divorced	10.8%	10.2%

Education

Less than 9th grade 1.5%

Some HS, no diploma 5.0%

HS graduate 34.6%

Some college, no degree 24.2%

Associate's degree 7.8%

Bachelor's degree 13.4%

Graduate / professional 13.3%

Metric	%
HS diploma or higher	93.5%
Bachelor's or higher	26.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	63	3.2%
Kindergarten	51	2.6%
Elementary school	992	50.5%
High school	650	33.1%
College / grad school	207	10.5%

Employment

Industry of employment

Education & healthcare 19.5%

Retail trade 15.9%

Professional & management 15.4%

Arts, food & hospitality 10.5%

Construction 9.2%

Other services 7.2%

Finance & real estate 6.7%

Transportation & utilities 5.1%

Public administration 3.3%

Manufacturing 2.8%

Wholesale trade 2.1%

Information 1.5%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	41.7%
Service	16.1%
Sales & office	23.1%
Natural resources & construction	8.8%
Production & transportation	10.4%

Employment type

Type	%
Private sector	79.3%
Government	10.0%
Self-employed	10.0%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	72.4%
Carpool	6.1%
Public transit	0.0%
Walk	0.0%
Work from home	17.7%
Other means	3.8%
Avg commute (minutes)	31.2

Poverty

All people 16.0%

Under 18 years 30.2%

18 and over 14.2%

Married-couple families 6.6%

Female-led households 37.8%

Income support

Source	% of households
Social Security	73.5%
Retirement income	47.5%
Supplemental Security	6.0%
Cash public assistance	2.4%
Food stamps / SNAP	10.2%

Health indicators

Condition	%
Obesity	31.4%
High blood pressure	47.0%
High cholesterol	44.1%
Diabetes	14.8%
Heart disease	11.7%
Stroke	5.2%
Asthma	8.7%
Arthritis	36.4%
Kidney disease	4.6%
Pulmonary disease	13.0%
Cancer	10.8%

Behavior / access	%
Smoking	19.7%
Binge drinking	11.9%
No physical activity	30.2%
Less than 7 hrs sleep	35.3%
Depression	19.8%
Fair or poor health	20.1%
Poor mental health	13.6%
Poor physical health	14.8%
No health insurance	18.4%
Visited doctor (checkup)	80.2%
Visited dentist	56.3%
Cholesterol screening	94.0%
Teeth loss	16.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,083	14.1%

Disability	%
Any disability	22.2%
Under 18	8.2%
18–64 years	23.2%
65 and over	24.7%

Health insurance coverage

Type	%
Private insurance	60.6%
Public insurance	66.6%
No insurance	6.0%
Uninsured under 19	3.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,397	98.3%
Spanish	232	1.4%
Other Indo-European	153	0.9%
Asian & Pacific Islander	15	0.1%
Other languages	64	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	15,549	93.3%
Born in same state	15,348	92.0%
Born in different state	3,818	22.9%
Foreign born	201	1.2%
Naturalized citizen	1,125	6.7%
Not a US citizen	986	87.6%

Ancestry

Ancestry	Count	%
Arab	2,529	15.2%
Italian	2,211	13.3%
French	2,036	12.2%
German	153	0.9%
Polish	152	0.9%

Ancestry	Count	%
English	133	0.8%
Irish	90	0.5%
Dutch	44	0.3%
Norwegian	26	0.2%

Technology access

Metric	% of households
Computer access	47.0%
Internet access	91.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 34442

What city is ZIP code 34442 in?

ZIP code 34442 is primarily assigned to Hernando, Florida.

What county is ZIP code 34442 in?

ZIP code 34442 falls within Citrus County, Florida.

Does ZIP code 34442 have an older population?

50% of residents in ZIP code 34442 are 65 or older, above the national average of ~17%.

Does ZIP code 34442 have a large retiree population?

74% of households in ZIP code 34442 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 34442 mostly owner-occupied?

87% of occupied units in ZIP code 34442 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 34442?

16% of residents in ZIP code 34442 live below the poverty line, above the national average.

What timezone is ZIP code 34442 in?

ZIP code 34442 observes the EST timezone.