Population & age
- Total population
- 18,668
- Median age
- 59.7
Citrus County · Homosassa Springs, FL · Population 18,668
Sugarmill Woods, FL (ZIP 34446) sits in Citrus County within the Homosassa Springs metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 45.1%. No NCES schools are mapped to this ZIP in the current dataset. 5 colleges and universities serve the area, with median in-state tuition of $14,580. IRS data shows average household income (AGI) of $62,481, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $48,953 per worker, roughly 25% below the US average. FEMA has issued 40 federal disaster declarations affecting this ZIP since 1968 — a high-frequency exposure profile. Annual precipitation averages 51.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 14,552 years of potential life lost per 100,000 (2025) — well above the national county median. Per USDA's Food Environment Atlas, 46.2% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Florida has no state income tax, saving the local median household (AGI $62,481) approximately $2,874/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 5,468 residents (2,993 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $57,773, fair market rent of $1,240 for a two-bedroom, and a typical home value of $319,377, down 4.0% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$990
/month
1 Bed
$1,000
/month
2 Bed
$1,240
/month
3 Bed
$1,720
/month
4 Bed
$2,040
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$319,377
Zillow Home Value Index (ZHVI) · as of March 2026
-4.0%
vs. March 2025
+34.6%
vs. March 2021
Homosassa Springs, FL
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
2,443
Across 2,428 permitted buildings. Total construction value: $531.2M.
Single-family
2,415
99% of total units
Multifamily (2+ unit)
28
1% of total units
Single-family value
$527.4M
construction value
Multifamily value
$3.8M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
9,390
Average AGI
$62,481
Avg property tax
$124
EITC participation
13.5%
Income distribution
Avg mortgage interest
$253
Avg charitable contribution
$328
Avg capital gains
$2,853
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $586.7M across all reported brackets.
Business establishments
266
Total employment
3,094
Annual payroll
$111.0M
Average annual pay
$35,886
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$48,953
Average weekly wage
$941
Total employment
34,702
Total establishments
3,656
That is roughly 25% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
5.0%
That is 1.0 percentage points above the US national unemployment rate of about 4.0%.
Labor force
53,829
Employed
51,137
Unemployed
2,692
Based on Citrus County, FL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$395.4M
across all branches in this ZIP
Distinct institutions
3
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Federally funded health-center sites
1
Single health-center site
One federally funded community health center serves this ZIP. Residents who need same-day care or specialty services may rely on neighboring ZIPs.
FQHC sites
1
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
52
across sites in this ZIP
Sites in this ZIP
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Beverly Hills--Homosassa Springs--Pine Ridge, FL
Reporting agencies
1
Largest: County of Citrus
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
49.1
across outlets in this ZIP
Avg square feet
15,000
per outlet
Outlets in this ZIP
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federally Declared Disasters
40
Date Range
1968–2024
Most Recent Declaration
HURRICANE MILTON
Hurricane — declared October 11, 2024 (DR-4834)
Incident period: October 5, 2024 – November 2, 2024
Top Incident Types
Individual Assistance
11
Direct help to disaster survivors
Households Program
11
Housing & temporary lodging support
Public Assistance
36
Repair of public facilities & roads
Hazard Mitigation
15
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
72.1°F
61.7° – 82.4°
Annual precipitation
51.9"
Diurnal range
20.7°F
Day-night swing
Heating · cooling days
620.7 · 3,224.1
Annual base 65°F
Nearest station: BROOKSVILLE CHIN HILL, FL US, 13.2 miles from the centroid of Sugarmill Woods, FL (ZIP 34446)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Median daily AQI
43
GoodPeak AQI (2024)
272
Very Unhealthy
Primary pollutant
PM2.5
345 days as main pollutant
Days measured
345
Based on Citrus County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
14,552
That is roughly 6,352 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
16%
of adults self-report
Poor physical health days
4.4
avg per adult per month
Poor mental health days
5.8
avg per adult per month
Uninsured
13.2%
of residents under 65
Primary care MDs
46
per 100,000 residents
Preventable hospital stays
2,869
per 100K Medicare enrollees
Food environment (0-10)
6.4
10 = best access & security
Exercise access
77%
residents near a facility
Flu vaccinated
42%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.0% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Citrus data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Limited food access for many residents
46.2% of Citrus County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.12
per 1,000 residents
Supercenters & clubs
0.02
per 1,000 residents
SNAP-authorized stores
0.77
accepting food benefits
Fast-food restaurants
0.45
per 1,000 residents
Among low-income residents, 15.7% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Citrus County, FL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Net migration (2022-2023)
▲+5,468 people
+2,993 households • +$348.9M net AGI flow
Moved in
9,554households
16,640 people • $701.8M AGI
Moved out
6,561households
11,172 people • $352.9M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $73,452 versus departing households' $53,787.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 34446. Numbers reflect the most recent published year per source.
Income tax
None
No state income tax
Sales tax (combined)
6.98%
State 6.00% · avg local 0.98%
Property tax (effective)
0.50%
Median $787/year
Tax burden rank
8 of 50
8.90% of personal income
For ZIP 34446: A household at this ZIP's median AGI of $62,481 keeps approximately $2,874 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $319,377, that works out to roughly $1,611/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Nearby ZIPs by distance
34461 (Lecanto, 5.1 mi) · 34487 (Homosassa, 5.9 mi) · 34448 (Homosassa Springs, 6.3 mi) · 34614 (North Weeki Wachee, 7.1 mi) · 34452 (Inverness Highlands South, 9 mi) · 34429 (Crystal River, 11.8 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
31.7%
Tracks close to the 33.0% national rate.
45.1%
13.1pp above the 32.0% national rate.
18.0%
4.0pp below the 22.0% national rate.
83.5%
7.5pp above the 76.0% national rate.
12.3%
Tracks close to the 13.0% national rate.
16.6%
5.6pp above the 11.0% national rate.
Colleges in this area
5
Median in-state tuition
$14,580
Median earnings (10 yr)
$38,203
Ocala, FL · 34474
Ocala, FL · 34471
Ocala, FL · 34471
Ocala, FL · 34470
Inverness, FL · 34450
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Sugarmill Woods, FL (ZIP 34446) sits in Citrus County within the Homosassa Springs metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 45.1%. No NCES schools are mapped to this ZIP in the current dataset. 5 colleges and universities serve the area, with median in-state tuition of $14,580. IRS data shows average household income (AGI) of $62,481, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $48,953 per worker, roughly 25% below the US average. FEMA has issued 40 federal disaster declarations affecting this ZIP since 1968 — a high-frequency exposure profile. Annual precipitation averages 51.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 14,552 years of potential life lost per 100,000 (2025) — well above the national county median. Per USDA's Food Environment Atlas, 46.2% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Florida has no state income tax, saving the local median household (AGI $62,481) approximately $2,874/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 5,468 residents (2,993 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $57,773, fair market rent of $1,240 for a two-bedroom, and a typical home value of $319,377, down 4.0% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 18.0%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
31.7%, which is 1.3 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
18.0%, which is 4.0 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
45.1%, which is 13.1 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
18,668 people live in ZIP 34446, with a median age of 59.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$57,773 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 34446, 93.7% of occupied housing units are owner-occupied and 6.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 34446, 9.7% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
12.3% of the population in ZIP 34446 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
87.6% of households in ZIP 34446 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 34446 is $319,377, down 4.0% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 4.0% over the past year and up 34.6% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 34446 (Sugarmill Woods, FL) is $62,481 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 34446 report an average of $124 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
3.5% of tax returns from ZIP 34446 (Sugarmill Woods, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 266 business establishments operated in ZIP 34446 employing 3,094 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 34446 is $35,886, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 34446 ranks in the 49th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 34446, ranking in the 58th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 40 federal disaster declarations affecting ZIP 34446 between 1968–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 34446, accounting for 21 of 40 declarations (53%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 34446 was "HURRICANE MILTON" — a hurricane declared in 2024 (DR-4834) (FEMA OpenFEMA, retrieved May 3, 2026).
5 colleges and universities are listed near ZIP 34446 by the U.S. Department of Education College Scorecard, including College Of Central Florida, Rasmussen University-Florida, and Marion Technical College (retrieved May 2, 2026).
Median in-state tuition across 5 nearby institutions is $14,580 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $38,203 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 34446 has an average annual temperature of 72.1°F and 51.9" of annual precipitation based on the BROOKSVILLE CHIN HILL, FL US weather station 13.2 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 34446 is part of the Beverly Hills--Homosassa Springs--Pine Ridge, FL urbanized area, primarily served by County of Citrus (National Transit Database 2024, retrieved May 4, 2026).
Florida has no state income tax. For a household earning the local median AGI of $62,481, this saves approximately $2,874 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 6.98% (Tax Foundation 2025).
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (5 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (40 on record), climate normals from NOAA NCEI (1991-2020), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (40 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Nearby ZIPs by distance
34461 (Lecanto, 5.1 mi) · 34487 (Homosassa, 5.9 mi) · 34448 (Homosassa Springs, 6.3 mi) · 34614 (North Weeki Wachee, 7.1 mi) · 34452 (Inverness Highlands South, 9 mi) · 34429 (Crystal River, 11.8 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 34446?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
49th percentile
Moderate Vulnerability
Based on 7 census tracts, population 16,685
Vulnerability Themes
Households Without Vehicle
412
Limited English Speakers
153
Persons with Disability
4,265
Without HS Diploma
1,625
Without Health Insurance
2,020
Adults Age 65+
7,047
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.