Florida Housing Data · ZIP Scorecard

Hernando Beach, FL (34607) housing scorecard.

Name: Hernando Beach, FL (34607) Housing Market Scorecard
Creator: Momentum Realty

Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 34607, free, from Zillow, Realtor.com and Census data.

Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED. Score by Momentum Realty (methodology).

Updated 2026-08-01

Momentum Market Score

Frothy

Hernando Beach, FL (34607) is expensive against incomes and tight for buyers.

The typical home costs about 6.63 times the local median income, about 32.6% richer than the Florida norm, so value is stretched here. Values are up roughly 4.8% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 40.3% of a median income in principal and interest, the affordability squeeze in one number. About 26.4% of listings have cut their price.

$405,969

Home value

1yr -3.3%

4.8%

5yr growth/yr

ZHVI CAGR

n/a

Median rent

monthly (ZORI)

n/a

Cap rate

gross yield

6.63x

Price to income

value vs incomes

+32.6%

Over/undervalued

vs FL norm

40.3%

Affordability

income to own/yr

Days on market

median (Realtor)

26.4%

Price cuts

share of listings

$61,221

Median income

household (Census)

9,046

Population

Census ACS

New listings

last month

Typical home value, last 13 months

What drives the score

Cheapness vs income14

Price-cut leverage54

Inventory growth13

Affordability14

Each bar ranks this ZIP against every other Florida ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.

Hernando County scorecard All Florida counties

Common questions

Is Hernando Beach, FL (34607) a buyer's or seller's market?

By the Momentum Market Score, Hernando Beach, FL (34607) reads frothy (23 out of 100), meaning it is expensive against incomes and tight for buyers. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.

What is the typical home value in Hernando Beach?

About $405,969 (Zillow Home Value Index, 2026-08-01), up roughly 4.8% a year over five years.

Where does this data come from?

Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census (income, population), Freddie Mac via FRED (rate). Score and derived metrics by Momentum Realty, methodology here.

Data: Zillow Research, Realtor.com, U.S. Census Bureau ACS, and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED. Score by Momentum Realty.

Housing distress & ownership in ZIP 34607

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress

0.84%

1 of 119 listings · short sale 1

Months of supply

6.2

buyer’s market · active inventory ÷ sales pace (trailing 12 mo)

Out-of-state owners

11.0%

mailing address outside FL

Non-homestead

57.4%

not owner-occupied (investor/2nd-home proxy)

Median just value

$289,740

6,317 parcels

Median owner tenure

1 yrs

years since the home last sold (county tax roll)

Owners at 2× their price

1.8%

today’s just value is at least double the last sale price

Median closed sale price — $465,000 · ▲ 14.8% yr (12-mo rolling)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.

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