34428 ZIP Code — Crystal River, FL

Citrus County, Florida

ZIP code 34428 is located in Crystal River, Florida, within Citrus County. It covers approximately 67.13 square miles and serves a population of 9,175 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 352.

About ZIP code 34428

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $218,800. Owner-occupancy is high at 76%, well above the national average.

Median household income is $50,075. Poverty affects 23% of residents, above the national average. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 19% of civilians, above the national average of 7%.

Overall, ZIP code 34428 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

9,175

population

67.13

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34428 ZIP code map

Cities in ZIP code 34428

Below are the cities the US Postal Service accepts for ZIP code 34428. Using any city not on this list may result in mail delivery delays.

City	Status
Crystal River	Preferred

Nearby ZIP codes

34498 Yankeetown (6.2 mi) 34433 Dunnellon (7 mi) 34429 Crystal River (7.2 mi) 34448 Homosassa (13.1 mi) 34448 Homosassa (13.1 mi) 34431 Dunnellon (14.1 mi) 34449 Inglis (14.4 mi) 34434 Dunnellon (14.5 mi) 34461 Lecanto (15 mi) 34446 Homosassa (17 mi) 34446 Homosassa (17 mi) 34442 Hernando (17.3 mi)

Demographics updated 05/2026

Population
Total population	9,175
Population density	137 / sq mi
State FIPS	12
County FIPS	017

Geography
Land area	67.13 sq mi
Water area	14.20 sq mi
Latitude	28.9632
Longitude	-82.6543
Timezone	Eastern (ET)
Area code	352

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.0%	54.8%	43.4%
$50k – $100k	30.2%	29.7%	30.8%
$100k – $200k	12.0%	12.9%	19.3%
Over $200k	1.8%	2.7%	6.4%

Demographics & statistics

9,175

Population

137

People per sq mi

54.4

Median age

$50,075

Median household income

$27,818

Per capita income

$218,800

Median home value

$813

Median monthly rent

76.3%

Home ownership

23.4%

Poverty rate

5.1%

Unemployment

4,057

Housing units

19.9%

Bachelor's or higher

Age distribution

Male Female

185

Under 5

188

5–9

253

10–14

257

122

15–19

123

372

20–24

376

404

25–34

409

368

35–44

372

534

45–54

541

428

55–59

434

385

60–64

391

914

65–74

926

389

75–84

394

124

85+

126

← Male

Female →

Age summary

Group	Count	%
Under 18	1,179	12.9%
18 and over	7,996	87.1%
65 and over	2,873	31.3%
Median age	54.4 years

Race & ethnicity

White 84.8%

Two or more races 6.4%

Hispanic or Latino 3.2%

Asian 1.9%

Other race 1.8%

Black or African American 1.6%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	8,044	84.8%
Two or more races	607	6.4%
Hispanic or Latino	307	3.2%
Asian	180	1.9%
Other race	175	1.8%
Black or African American	151	1.6%
Native Hawaiian / Pacific Islander	18	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.0%	54.8%	43.4%
$50k – $100k	30.2%	29.7%	30.8%
$100k – $200k	12.0%	12.9%	19.3%
Over $200k	1.8%	2.7%	6.4%

Under $10k 10.7%

$10k–$15k 6.7%

$15k–$25k 9.3%

$25k–$35k 11.5%

$35k–$50k 11.6%

$50k–$75k 18.0%

$75k–$100k 15.9%

$100k–$150k 10.5%

$150k–$200k 3.1%

$200k+ 2.5%

Range	% of households
Under $10k	10.7%
$10k–$15k	6.7%
$15k–$25k	9.3%
$25k–$35k	11.5%
$35k–$50k	11.6%
$50k–$75k	18.0%
$75k–$100k	15.9%
$100k–$150k	10.5%
$150k–$200k	3.1%
$200k+	2.5%
Median income	$50,075

Housing

Home values

Under $50k 11.3%

$50k–$100k 14.5%

$100k–$150k 6.1%

$150k–$200k 12.8%

$200k–$300k 31.3%

$300k–$500k 16.6%

$500k–$1M 7.4%

Housing overview

Metric	Value
Median home value	$218,800
Median rent / month	$813
Owner occupied	76.3%
Renter occupied	23.7%
Vacant	18.5%
Single-family detached	62.8%
Large apartment buildings	0.6%
Mobile homes	24.2%
Median rooms	5.3
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.3%
2010–2019	5.9%
2000–2009	12.7%
1990–1999	21.5%
1980–1989	28.7%
1970–1979	19.9%
1960–1969	5.8%
1950–1959	3.3%
1940–1949	1.2%
1939 or earlier	0.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	10.6%
2 bedrooms	27.2%
3 bedrooms	53.0%
4 bedrooms	8.2%
5+ bedrooms	0.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	34.7%
2 vehicles	49.1%
3 or more	12.5%

Heating fuel

Fuel type	%
Utility gas	1.3%
Electricity	95.3%
Propane / LP gas	2.1%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	1,881	45.9%
Cohabiting couple	392	9.6%
Male householder, no spouse	688	16.8%
Female householder, no spouse	1,138	27.8%
Households with children under 18	616	15.0%
Households with seniors (65+)	1,958	47.8%
Average household size	2.23

Marital status

Status	Male	Female
Never married	26.4%	15.7%
Married	49.6%	50.2%
Separated	1.6%	0.9%
Widowed	5.8%	16.2%
Divorced	16.6%	17.0%

Education

Less than 9th grade 3.3%

Some HS, no diploma 7.8%

HS graduate 35.2%

Some college, no degree 25.5%

Associate's degree 8.3%

Bachelor's degree 13.3%

Graduate / professional 6.6%

Metric	%
HS diploma or higher	88.9%
Bachelor's or higher	19.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	49	4.3%
Elementary school	462	40.7%
High school	314	27.7%
College / grad school	310	27.3%

Employment

Industry of employment

Education & healthcare 16.6%

Other services 15.3%

Transportation & utilities 13.2%

Retail trade 11.0%

Professional & management 10.0%

Construction 9.1%

Arts, food & hospitality 9.0%

Manufacturing 6.7%

Finance & real estate 4.7%

Wholesale trade 1.5%

Public administration 1.5%

Information 0.7%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	27.2%
Service	14.7%
Sales & office	33.7%
Natural resources & construction	10.4%
Production & transportation	13.9%

Employment type

Type	%
Private sector	83.3%
Government	6.9%
Self-employed	9.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.7%
Carpool	8.6%
Public transit	0.0%
Walk	3.2%
Work from home	11.7%
Other means	1.8%
Avg commute (minutes)	27.6

Poverty

All people 23.4%

Under 18 years 44.5%

18 and over 20.6%

Married-couple families 16.6%

Female-led households 45.0%

Income support

Source	% of households
Social Security	45.1%
Retirement income	32.6%
Supplemental Security	7.3%
Cash public assistance	0.7%
Food stamps / SNAP	12.5%

Health indicators

Condition	%
Obesity	33.3%
High blood pressure	42.4%
High cholesterol	39.6%
Diabetes	13.3%
Heart disease	10.1%
Stroke	4.7%
Asthma	9.4%
Arthritis	32.6%
Kidney disease	4.1%
Pulmonary disease	12.8%
Cancer	8.7%

Behavior / access	%
Smoking	23.7%
Binge drinking	14.5%
No physical activity	30.7%
Less than 7 hrs sleep	37.8%
Depression	22.1%
Fair or poor health	20.8%
Poor mental health	16.0%
Poor physical health	15.3%
No health insurance	20.4%
Visited doctor (checkup)	76.9%
Visited dentist	52.2%
Cholesterol screening	91.5%
Teeth loss	19.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,490	18.7%

Disability	%
Any disability	16.6%
Under 18	5.8%
18–64 years	12.9%
65 and over	27.6%

Health insurance coverage

Type	%
Private insurance	59.4%
Public insurance	50.2%
No insurance	14.1%
Uninsured under 19	9.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,802	95.9%
Spanish	176	2.0%
Other Indo-European	152	1.7%
Asian & Pacific Islander	10	0.1%
Other languages	14	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,728	95.1%
Born in same state	8,673	94.5%
Born in different state	3,337	36.4%
Foreign born	55	0.6%
Naturalized citizen	447	4.9%
Not a US citizen	298	66.7%

Ancestry

Ancestry	Count	%
Italian	1,459	15.9%
French	1,291	14.1%
Arab	832	9.1%
Norwegian	158	1.7%

Ancestry	Count	%
English	102	1.1%
Polish	100	1.1%
Irish	93	1%
German	81	0.9%

Technology access

Metric	% of households
Computer access	44.7%
Internet access	95.3%

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

Frequently asked questions about ZIP code 34428

What city is ZIP code 34428 in?

ZIP code 34428 is primarily assigned to Crystal River, Florida.

What county is ZIP code 34428 in?

ZIP code 34428 falls within Citrus County, Florida.

Does ZIP code 34428 have an older population?

31% of residents in ZIP code 34428 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 34428?

23% of residents in ZIP code 34428 live below the poverty line, above the national average.

Does ZIP code 34428 have a large retiree population?

45% of households in ZIP code 34428 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 34428 have a large veteran population?

19% of civilians in ZIP code 34428 are veterans, above the national average of ~7%.

What timezone is ZIP code 34428 in?

ZIP code 34428 observes the EST timezone.