ZIP Code 34450 — Inverness, FL Home Prices (2026)
The typical home in ZIP 34450 (Inverness, Florida) is worth about $256,000 at roughly $185 per square foot — 6% more expensive than the Inverness median and 13% more affordable than the typical U.S. home.
How 34450 compares
ZIP 34450 is one of the pricier ZIP codes in Inverness: its typical home value of $256,000 ranks #1 of the 3 Inverness ZIP codes we track (the citywide range runs from $233,000 in 34452 to $256,000 in 34450). Per square foot it costs about $185, against $183 for Inverness as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 34450 | $256,000 | $185 |
| Inverness, FL | $242,000 | $183 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 34450
Using this ZIP’s rate of about $185 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $185,000 |
| 1,500 sq ft | $277,500 |
| 2,000 sq ft | $370,000 |
| 2,500 sq ft | $462,500 |
| 3,000 sq ft | $555,000 |
Salary needed to buy a home in ZIP 34450
To buy the typical $256,000 home in ZIP 34450 with 20% down, you need a household income of roughly $70,000 a year (about $1,630 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $83,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,800 | $2,020/mo | $87,000/yr |
| 10% (+PMI) | $25,600 | $1,930/mo | $83,000/yr |
| 20% | $51,200 | $1,630/mo | $70,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 34450
At about $185 per square foot, here is roughly how much home different budgets get you in ZIP 34450:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 810 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1080 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1350 sq ft | around the typical home here |
| $300k | 1620 sq ft | around the typical home here |
| $400k | 2160 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 34450 home.
Estimate a specific home in 34450
The estimator below is pre-set to ZIP 34450 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Inverness ZIP codes by home value
Where 34450 sits among Inverness’s 3 ZIP codes:
ZIP 34450 home prices: frequently asked
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See the full Inverness home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.