Florida · GEOID 12053

Hernando County

2024 ACS 5-year estimates · population 207,018 · 92,535 housing units

Median household income

$66,058

State $75,325

Median home value

$276,000

State $365,373

Median gross rent

$1,298

State $1,665

Homeownership rate

82.5%

State 67.6%

Renter cost-burden rate

55.8%

≥30% of income

Owner cost-burden rate

21.3%

≥30% of income

Homeowner vacancy

0.8%

Of owner-occupied + for-sale units

Rental vacancy

7.7%

Of renter-occupied + for-rent units

Overall vacancy

10.9%

All housing units

Price-to-income ratio

4.18

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Hernando County	Florida
Population	207,018	22,416,077
Population density (per sq. mi.)	437.70	—
Median household income	$66,058	$75,325
HUD Area Median Income (4-person, 100%)	$104,700	—
Households	82,475	—
Average household size	2.49 people	—
Owner-occupied	82.5%	67.6%
Renter-occupied	17.5%	32.4%
Race	76.3% White · 4.9% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Hernando County compared with Florida.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

21.1% hold a bachelor's degree or higher (state: 34.1%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	26.7%	$55,150	$1,379	$174,268
1 earner	32.2%	$64,871	$1,622	$210,452
2 earners	31.5%	$101,194	$2,530	$345,659
3+ earners	9.6%	$134,366	$3,359	$469,136

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

82,475

Average size: 2.49 people

Households with children

17,875

21.7% of households

Per-capita income

$34,458

Poverty rate: 11.3%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

82.5% owner-occupied vs. state average 67.6%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 79.2% · Missing middle (2–19 units) 4.6%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

17.5% built before 1980 · Median structure age 1,991.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $276,000.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $1,298.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 10,060 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 5.3% · For rent 11.9% · Seasonal 45.5% · Other 24.8%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

29.7% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 70.3% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

4.9%

4,575 units of 92,535 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

2.7%

2,497 units of 92,535 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$52,846

100% MHI$66,058

120% MHI$79,270

County-wide median from ACS 5-year estimates. A household at 100% MHI in Hernando County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$64,250	$73,400	$91,750
100% AMI	$73,290	$83,760	$104,700
120% AMI	$87,950	$100,500	$125,650

HUD FMR Area: Tampa-St. Petersburg-Clearwater, FL MSA. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

55.8% of renter households spend ≥30% of income on rent (26.3% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

21.3% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Hernando County.

Covered employment

50,851

Across 21 sectors

Establishments

4,659

QCEW 2024

Avg annual pay (workforce)

$50,505

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 62 Health care and social assistance NAICS 62	10,712	$62,342	$201,039	−$74,961	$1,559
NAICS 44-45 Retail trade NAICS 44-45	8,419	$34,073	$95,812	−$180,188	$852
NAICS 72 Accommodation and food services NAICS 72	5,931	$24,706	$60,945	−$215,055	$618
NAICS 23 Construction NAICS 23	3,780	$55,137	$174,219	−$101,781	$1,378
NAICS 61 Educational services NAICS 61	3,111	$55,708	$176,345	−$99,655	$1,393
NAICS 31-33 Manufacturing NAICS 31-33	2,887	$61,843	$199,181	−$76,819	$1,546
NAICS 92 Public administration NAICS 92	2,727	$62,805	$202,762	−$73,238	$1,570
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	2,476	$36,963	$106,569	−$169,431	$924
NAICS 48-49 Transportation and warehousing NAICS 48-49	2,415	$62,767	$202,621	−$73,379	$1,569
NAICS 54 Professional, scientific, and technical services NAICS 54	1,943	$76,431	$253,483	−$22,517	$1,911
NAICS 81 Other services (except public administration) NAICS 81	1,616	$37,089	$107,038	−$168,962	$927
NAICS 52 Finance and insurance NAICS 52	1,271	$68,348	$223,395	−$52,605	$1,709
NAICS 71 Arts, entertainment, and recreation NAICS 71	1,036	$34,105	$95,931	−$180,069	$853
NAICS 53 Real estate and rental and leasing NAICS 53	724	$49,662	$153,839	−$122,161	$1,242
NAICS 42 Wholesale trade NAICS 42	704	$64,808	$210,218	−$65,782	$1,620
NAICS 51 Information NAICS 51	415	$75,374	$249,548	−$26,452	$1,884
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	267	$39,517	$116,076	−$159,924	$988
NAICS 55 Management of companies and enterprises NAICS 55	213	$104,539	$358,110	+$82,110	$2,613
NAICS 22 Utilities NAICS 22	128	$94,271	$319,889	+$43,889	$2,357
NAICS 99 Unclassified NAICS 99	53	$44,288	$133,835	−$142,165	$1,107
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	23	$71,611	$235,541	−$40,459	$1,790

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	5,641	$24,737	$61,060	−$214,940	$618
NAICS 621 Ambulatory health care services NAICS 621	4,895	$78,184	$260,008	−$15,992	$1,955
NAICS 611 Educational services NAICS 611	3,111	$55,708	$176,345	−$99,655	$1,393
NAICS 622 Hospitals NAICS 622	2,974	$61,023	$196,129	−$79,871	$1,526
NAICS 238 Specialty trade contractors NAICS 238	2,969	$54,097	$170,348	−$105,652	$1,352
NAICS 455 General merchandise retailers NAICS 455	2,519	$28,267	$74,200	−$201,800	$707
NAICS 561 Administrative and support services NAICS 561	2,444	$36,678	$105,508	−$170,492	$917
NAICS 445 Food and beverage retailers NAICS 445	2,184	$27,794	$72,439	−$203,561	$695
NAICS 541 Professional, scientific, and technical services NAICS 541	1,943	$76,431	$253,483	−$22,517	$1,911
NAICS 623 Nursing and residential care facilities NAICS 623	1,642	$41,463	$123,320	−$152,680	$1,037
NAICS 624 Social assistance NAICS 624	1,200	$29,610	$79,199	−$196,801	$740
NAICS 921 Executive, legislative, and other general government support NAICS 921	1,090	$62,641	$202,152	−$73,848	$1,566
NAICS 922 Justice, public order, and safety activities NAICS 922	1,025	$62,832	$202,863	−$73,137	$1,571
NAICS 441 Motor vehicle and parts dealers NAICS 441	909	$59,792	$191,547	−$84,453	$1,495
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	890	$34,766	$98,391	−$177,609	$869
NAICS 524 Insurance carriers and related activities NAICS 524	823	$63,147	$204,035	−$71,965	$1,579
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	742	$36,000	$102,985	−$173,015	$900
NAICS 811 Repair and maintenance NAICS 811	691	$47,745	$146,704	−$129,296	$1,194
NAICS 484 Truck transportation NAICS 484	652	$73,696	$243,302	−$32,698	$1,842
NAICS 531 Real estate NAICS 531	622	$48,005	$147,671	−$128,329	$1,200
NAICS 332 Fabricated metal product manufacturing NAICS 332	619	$57,096	$181,511	−$94,489	$1,427
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	592	$33,392	$93,277	−$182,723	$835
NAICS 812 Personal and laundry services NAICS 812	583	$31,837	$87,489	−$188,511	$796
NAICS 456 Health and personal care retailers NAICS 456	578	$45,488	$138,302	−$137,698	$1,137
NAICS 236 Construction of buildings NAICS 236	560	$54,570	$172,109	−$103,891	$1,364
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	557	$83,996	$281,642	+$5,642	$2,100
NAICS 423 Merchant wholesalers, durable goods NAICS 423	442	$71,047	$233,442	−$42,558	$1,776
NAICS 924 Administration of environmental quality programs NAICS 924	370	$67,250	$219,308	−$56,692	$1,681
NAICS 522 Credit intermediation and related activities NAICS 522	356	$67,494	$220,216	−$55,784	$1,687
NAICS 457 Gasoline stations and fuel dealers NAICS 457	355	$29,992	$80,621	−$195,379	$750
NAICS 339 Miscellaneous manufacturing NAICS 339	341	$56,651	$179,855	−$96,145	$1,416
NAICS 333 Machinery manufacturing NAICS 333	331	$59,136	$189,105	−$86,895	$1,478
NAICS 334 Computer and electronic product manufacturing NAICS 334	299	$57,238	$182,040	−$93,960	$1,431
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	295	$25,297	$63,145	−$212,855	$632
NAICS 721 Accommodation NAICS 721	290	$24,096	$58,674	−$217,326	$602
NAICS 492 Couriers and messengers NAICS 492	276	$64,404	$208,714	−$67,286	$1,610
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	271	$23,726	$57,297	−$218,703	$593
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	270	$39,823	$117,215	−$158,785	$996
NAICS 491 Postal service NAICS 491	269	$61,701	$198,653	−$77,347	$1,543
NAICS 237 Heavy and civil engineering construction NAICS 237	251	$68,698	$224,698	−$51,302	$1,717
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	246	$55,158	$174,297	−$101,703	$1,379
NAICS 551 Management of companies and enterprises NAICS 551	213	$104,539	$358,110	+$82,110	$2,613
NAICS 311 Food manufacturing NAICS 311	179	$45,936	$139,970	−$136,030	$1,148
NAICS 517 Telecommunications NAICS 517	164	$62,210	$200,547	−$75,453	$1,555
NAICS 923 Administration of human resource programs NAICS 923	157	$46,549	$142,252	−$133,748	$1,164
NAICS 115 Support activities for agriculture and forestry NAICS 115	143	$43,601	$131,278	−$144,722	$1,090
NAICS 221 Utilities NAICS 221	128	$94,271	$319,889	+$43,889	$2,357
NAICS 326 Plastics and rubber products manufacturing NAICS 326	122	$47,762	$146,767	−$129,233	$1,194
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	117	$22,128	$51,348	−$224,652	$553
NAICS 111 Crop production NAICS 111	103	$36,918	$106,402	−$169,598	$923
NAICS 513 Publishing industries NAICS 513	92	$72,808	$239,997	−$36,003	$1,820
NAICS 321 Wood product manufacturing NAICS 321	86	$52,673	$165,047	−$110,953	$1,317
NAICS 485 Transit and ground passenger transportation NAICS 485	76	$48,415	$149,198	−$126,802	$1,210
NAICS 325 Chemical manufacturing NAICS 325	73	$113,514	$391,518	+$115,518	$2,838
NAICS 512 Motion picture and sound recording industries NAICS 512	68	$19,270	$40,710	−$235,290	$482
NAICS 518 Computing infrastructure providers, data processing, web hosting, and related services NAICS 518	68	$174,853	$619,843	+$343,843	$4,371
NAICS 999 Unclassified NAICS 999	53	$44,288	$133,835	−$142,165	$1,107
NAICS 814 Private households NAICS 814	47	$19,570	$41,827	−$234,173	$489
NAICS 928 National security and international affairs NAICS 928	46	$86,343	$290,378	+$14,378	$2,159
NAICS 488 Support activities for transportation NAICS 488	38	$61,271	$197,052	−$78,948	$1,532
NAICS 926 Administration of economic programs NAICS 926	34	$68,188	$222,799	−$53,201	$1,705
NAICS 312 Beverage and tobacco product manufacturing NAICS 312	33	$32,555	$90,161	−$185,839	$814
NAICS 562 Waste management and remediation services NAICS 562	32	$58,687	$187,433	−$88,567	$1,467
NAICS 323 Printing and related support activities NAICS 323	24	$36,842	$106,119	−$169,881	$921
NAICS 425 Wholesale trade agents and brokers NAICS 425	16	$40,831	$120,967	−$155,033	$1,021
NAICS 925 Administration of housing programs, urban planning, and community development NAICS 925	6	$17,812	$35,283	−$240,717	$445
NAICS 314 Textile product mills NAICS 314	5	$38,463	$112,153	−$163,847	$962

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	33,910	(2,200)	(6%)	$15.00	$31,210	$85,155	$780
Cashiers SOC 41-2011	25,820	(3,340)	(11%)	$15.18	$31,580	$86,532	$790
Childcare Workers SOC 39-9011	3,420	(2,320)	(40%)	$16.38	$34,070	$95,801	$852
Janitors and Cleaners SOC 37-2011	18,460	4,810	35%	$16.83	$35,010	$99,300	$875
Retail Salespersons SOC 41-2031	45,130	30	0%	$17.23	$35,830	$102,352	$896
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	15,120	(3,500)	(19%)	$18.73	$38,950	$113,966	$974
Waiters and Waitresses SOC 35-3031	25,280	(3,790)	(13%)	$21.20	$44,090	$133,098	$1,102
Construction Laborers SOC 47-2061	12,860	5,410	73%	$21.41	$44,520	$134,699	$1,113
Tellers SOC 43-3071	2,100	(2,240)	(52%)	$22.14	$46,060	$140,431	$1,152
Office Clerks, General SOC 43-9061	23,680	800	3%	$22.79	$47,410	$145,457	$1,185
Maintenance and Repair Workers, General SOC 49-9071	14,380	1,880	15%	$23.30	$48,460	$149,365	$1,212
Carpenters SOC 47-2031	6,010	1,580	36%	$26.09	$54,270	$170,992	$1,357
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	15,840	4,740	43%	$26.19	$54,470	$171,736	$1,362
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	4,180	1,160	38%	$26.73	$55,600	$175,943	$1,390
Electricians SOC 47-2111	7,170	2,830	65%	$27.89	$58,020	$184,951	$1,451
Elementary School Teachers, Except Special Education SOC 25-2021	11,000	750	7%	—	$60,190	$193,028	$1,505
Firefighters SOC 33-2011	3,220	80	3%	$29.12	$60,560	$194,405	$1,514
Paramedics SOC 29-2043 · prior-year code differs	860	(1,180)	(58%)	$29.71	$61,790	$198,984	$1,545
Police and Sheriff's Patrol Officers SOC 33-3051	5,190	100	2%	$38.04	$79,130	$263,529	$1,978
Registered Nurses SOC 29-1141	38,720	13,200	52%	$44.56	$92,690	$314,004	$2,317

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 12053 · pulled from Full Housing Data Table.xlsx.