ZipCodesToGo
Florida ZIP Codes
Pinellas County
Crystal Beach, FL
34681
34681 ZIP Code — Crystal Beach, FL
Pinellas County, Florida
ZIP code 34681 is located in
Crystal Beach ,
Florida ,
within Pinellas County .
It covers approximately 0.73 square miles and serves a population of
994 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 727 .
About ZIP code 34681
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $528,300. Owner-occupancy is high at 90%, well above the national average.
The gap between median ($68,000) and mean household income suggests income inequality — a small number of higher earners pull the average up. 32% 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. An above-average commute of 42 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 74% of workers work from home.
Educational attainment is near the national average, with 45% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.
Overall, ZIP code 34681 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
34681 ZIP code map
View map of 34681
Cities in ZIP code 34681
Below are the cities the US Postal Service accepts for ZIP code 34681. Using any city not on this list may result in mail delivery delays.
Demographics
updated 05/2026
Population
Total population
994
Population density
1,362 / sq mi
State FIPS
12
County FIPS
103
Geography
Land area
0.73 sq mi
Water area
0.19 sq mi
Latitude
28.0893
Longitude
-82.7778
Timezone
Eastern (ET)
Area code
727
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
64.8%
44.3%
43.4%
$50k – $100k
15.8%
30.2%
30.8%
$100k – $200k
8.7%
19.3%
19.3%
Over $200k
10.7%
6.2%
6.4%
Demographics & statistics
$68,000
Median household income
$528,300
Median home value
45.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 238 23.9% 18 and over 756 76.1% 65 and over 238 23.9% Median age 44.7 years
Race & ethnicity
Group Count % White 952 95.8% Asian 42 4.2%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
64.8%
44.3%
43.4%
$50k – $100k
15.8%
30.2%
30.8%
$100k – $200k
8.7%
19.3%
19.3%
Over $200k
10.7%
6.2%
6.4%
Range % of households $25k–$35k 10.0% $35k–$50k 24.1% $50k–$75k 29.4% $100k–$150k 7.7% $150k–$200k 7.5% $200k+ 21.2% Median income $68,000
Housing
Housing overview
Metric Value Median home value $528,300 Median rent / month $0 Owner occupied 90.0% Renter occupied 10.0% Vacant 19.4% Single-family detached 76.1% Large apartment buildings 8.0% Mobile homes 0.0% Median rooms 5.3 Avg household size (owned) 2.31
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 0.0% 1990–1999 45.6% 1980–1989 4.8% 1970–1979 2.7% 1960–1969 20.1% 1950–1959 26.7% 1940–1949 0.0% 1939 or earlier 0.0%
Bedrooms
Size % of units No bedroom (studio) 8.0% 1 bedroom 0.0% 2 bedrooms 26.4% 3 bedrooms 35.8% 4 bedrooms 29.8% 5+ bedrooms 0.0%
Vehicles per household
Vehicles % of households No vehicle 10.0% 1 vehicle 13.1% 2 vehicles 46.2% 3 or more 30.8%
Heating fuel
Fuel type % Electricity 100.0%
Households & families
Household type Count % Married-couple family 279 61.7% Cohabiting couple 0 0.0% Male householder, no spouse 45 10.0% Female householder, no spouse 128 28.3% Households with children under 18 165 36.5% Households with seniors (65+) 145 32.1% Average household size 2.18
Marital status
Status Male Female Never married 21.9% 18.6% Married 77.3% 64.4% Separated 0.0% 0.0% Widowed 0.0% 16.9% Divorced 0.8% 0.0%
Education
Some college, no degree
26.6%
Graduate / professional
9.7%
Metric % HS diploma or higher 95.1% Bachelor's or higher 45.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 29 13.7% Kindergarten 8 3.8% Elementary school 95 45.0% High school 40 19.0% College / grad school 39 18.5%
Employment
Industry of employment
Education & healthcare
22.2%
Professional & management
19.1%
Finance & real estate
13.8%
Transportation & utilities
3.5%
Public administration
1.6%
Occupation
Category % Management, business & arts 60.0% Service 9.1% Sales & office 30.9% Natural resources & construction 0.0% Production & transportation 0.0%
Employment type
Type % Private sector 72.4% Government 15.7% Self-employed 12.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 25.6% Carpool 0.0% Public transit 0.0% Walk 0.0% Work from home 74.4% Other means 0.0% Avg commute (minutes) 41.9
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 32.1% Retirement income 21.5% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 26.7% High blood pressure 34.2% High cholesterol 36.1% Diabetes 9.9% Heart disease 6.6% Stroke 3.0% Asthma 8.4% Arthritis 26.1% Kidney disease 2.9% Pulmonary disease 7.6% Cancer 7.6%
Behavior / access % Smoking 17.0% Binge drinking 16.7% No physical activity 20.3% Less than 7 hrs sleep 31.0% Depression 18.5% Fair or poor health 12.9% Poor mental health 14.0% Poor physical health 10.6% No health insurance 14.2% Visited doctor (checkup) 73.7% Visited dentist 62.7% Cholesterol screening 93.5% Teeth loss 10.7%
Veterans & disability
Veterans Count % Civilian veterans 85 11.2%
Disability % Any disability 2.3% Under 18 0.0% 18–64 years 3.9% 65 and over 1.3%
Health insurance coverage
Type % Private insurance 93.4% Public insurance 24.2% No insurance 0.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 899 90.4% Spanish 42 4.7% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 42 4.7%
Place of birth & citizenship
Origin Count % Native born (US) 944 95.0% Born in same state 944 95.0% Born in different state 306 30.8% Foreign born 0 0.0% Naturalized citizen 50 5.0% Not a US citizen 50 100.0%
Ancestry
Ancestry Count % Arab 117 11.8% Italian 116 11.7% French 89 9%
Ancestry Count % Polish 88 8.9% English 55 5.5% Dutch 24 2.4%
Technology access
Metric % of households Computer access 45.5% Internet access 100.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 34681
What city is ZIP code 34681 in?
ZIP code 34681 is primarily assigned to Crystal Beach, Florida.
What county is ZIP code 34681 in?
ZIP code 34681 falls within Pinellas County, Florida.
Is ZIP code 34681 mostly owner-occupied?
90% of occupied units in ZIP code 34681 are owner-occupied, well above the national average.
Does ZIP code 34681 have a large veteran population?
11% of civilians in ZIP code 34681 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 34681?
The median home value in ZIP code 34681 is $528,300.
What is the population of ZIP code 34681?
ZIP code 34681 has an estimated population of 994 residents, with a density of 1,371 people per square mile.
What timezone is ZIP code 34681 in?
ZIP code 34681 observes the EST timezone.
Need the complete ZIP code database?
Download all 42,000+ US ZIP codes — Excel, CSV, or Access. Includes lat/lng, county FIPS & timezone.
Download database →
