34609 Property Tax Rate
Spring Hill, Florida · Part of Hernando County
Effective Tax Rate
0.78%
18.8% below state avgMedian Annual Tax
$2,148
$179/mo escrow
Estimate Your Tax
Annual Tax
$2,148
Monthly
$179
Eff. Rate
0.78%
Buyer decision brief
What ZIP 34609 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$179/mo
Based on median annual tax paid
State context
0.01 percentage points above the Florida average
Florida average: 0.76%
Data confidence
High confidenceThe Census margin of error is $122, about 6% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Hernando County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 34609 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$122 tax MOE, 6% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Hernando County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 34609
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $275,900, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.78%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Florida and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $179 per month before insurance, HOA dues, or special assessments.
Assessor verification
Hernando County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 34609 Compares
Median Annual Property Tax
ZIP 34609
0.78%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Higher than 56% of ZIP codes in Florida(56th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 34609
Property owners in ZIP code 34609 (Spring Hill, Florida) pay a median of $2,148/year in property taxes on homes valued at $275,900. This translates to an effective tax rate of 0.78%, which is near the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 34609 is approximately $179, which factors into escrow payments on mortgages. This ZIP code is located within Hernando County. This is $497 less than the Florida average of $2,645/year.
Compared to similar ZIP codes in Florida, 34609 has higher property taxes. ZIP codes with similar effective rates include 33122 (0.78%) and 32119 (0.78%).
In Spring Hill, property taxes represent approximately 2.7% of the median household income of $79,284, providing context for the relative tax burden on homeowners in this area.
Under Florida's Save Our Homes Act, the property is reassessed at purchase price but then capped at 3% annual growth if homestead exemption is filed. Hernando County offers a $25,000 homestead exemption plus an additional $25,000 exemption on non-school taxes — file with the Hernando County Property Appraiser by March 1 of the year following closing. File for homestead exemption with the Hernando County Property Appraiser within 60 days of purchase to ensure the 3% cap applies starting with your next assessment.
Frequently Asked Questions
What is the property tax rate in ZIP code 34609?
How much are property taxes in Spring Hill, FL (34609)?
How does ZIP 34609 compare to the Florida average?
What is the median home value in ZIP 34609?
What county is ZIP code 34609 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$122. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 34609 is part of Hernando County, Florida. View the full county profile for broader context and more data.
View Hernando County on TaxByCounty →Explore Spring Hill, FL
View all 5 ZIP codes in Spring Hill with property tax comparisons.
View Spring Hill Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 34609
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
34610
Spring Hill, FL
0.11 percentage points lower than ZIP 34609.
Rate
0.67%
Tax
$1,700
Quality
94
34608
Spring Hill, FL
0.10 percentage points lower than ZIP 34609.
Rate
0.68%
Tax
$1,605
Quality
101
34607
Spring Hill, FL
0.06 percentage points lower than ZIP 34609.
Rate
0.72%
Tax
$2,460
Quality
101
34606
Spring Hill, FL
0.06 percentage points lower than ZIP 34609.
Rate
0.72%
Tax
$1,637
Quality
101
34661
Nobleton, FL
0.27 percentage points lower than ZIP 34609.
Rate
0.51%
Tax
$735
Quality
81
34602
Brooksville, FL
0.09 percentage points lower than ZIP 34609.
Rate
0.69%
Tax
$1,662
Quality
101
34604
Brooksville, FL
0.05 percentage points lower than ZIP 34609.
Rate
0.72%
Tax
$1,974
Quality
101
34613
Brooksville, FL
0.03 percentage points lower than ZIP 34609.
Rate
0.75%
Tax
$1,369
Quality
101
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.