ZIP Code 34654 — New Port Richey, FL Home Prices (2026)
The typical home in ZIP 34654 (New Port Richey, Florida) is worth about $316,000 at roughly $192 per square foot — 11% more expensive than the New Port Richey median and 7% more expensive than the typical U.S. home.
How 34654 compares
ZIP 34654 is one of the pricier ZIP codes in New Port Richey: its typical home value of $316,000 ranks #2 of the 4 New Port Richey ZIP codes we track (the citywide range runs from $218,000 in 34652 to $379,000 in 34655). Per square foot it costs about $192, against $200 for New Port Richey as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 34654 | $316,000 | $192 |
| New Port Richey, FL | $284,500 | $200 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 34654
Using this ZIP’s rate of about $192 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 | $192,000 |
| 1,500 sq ft | $288,000 |
| 2,000 sq ft | $384,000 |
| 2,500 sq ft | $480,000 |
| 3,000 sq ft | $576,000 |
Salary needed to buy a home in ZIP 34654
To buy the typical $316,000 home in ZIP 34654 with 20% down, you need a household income of roughly $86,000 a year (about $2,010 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $102,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,800 | $2,490/mo | $107,000/yr |
| 10% (+PMI) | $31,600 | $2,380/mo | $102,000/yr |
| 20% | $63,200 | $2,010/mo | $86,000/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 34654
At about $192 per square foot, here is roughly how much home different budgets get you in ZIP 34654:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 780 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1040 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1300 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1560 sq ft | around the typical home here |
| $400k | 2080 sq ft | around the typical home here |
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 34654 home.
Estimate a specific home in 34654
The estimator below is pre-set to ZIP 34654 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All New Port Richey ZIP codes by home value
Where 34654 sits among New Port Richey’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 34655 | $379,000 | $212 |
| 2 | 34654 (this page) | $316,000 | $192 |
| 3 | 34653 | $253,000 | $196 |
| 4 | 34652 | $218,000 | $204 |
ZIP 34654 home prices: frequently asked
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See the full New Port Richey 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.