Spring Hill, Florida.
Typical home $303,307 (-1.9% in a year), asking rent $1,858 (+0.1%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$922 (+137%) since Jan 2020.
- 1 year
- Down $5,772 -2%
- $309,078$303,307 since Sep 2025
- 5 years
- Up $52,176 +21%
- $251,131$303,307 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Spring Hill$1,592
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Spring Hill, FL fell 1.9% over the past year — slower than the nation's +1.2%.
Asking rents in Spring Hill, FL rose 0.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in Spring Hill runs $228/mo more than renting one. The gap peaked at $510 in Oct 2023.
That is $2,087 a month against $1,858 rent: a $1,592 mortgage payment, plus $170 property tax and $325 insurance & upkeep.
Owning vs renting — Spring Hill
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,087
- Renting$1,858
- Mortgage only$1,592
Property tax · $170/mo 0.67% of value a year — the ACS 2020-2024 median bill over the median home value for Hernando County, FL
Insurance & upkeep · $325/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Spring Hill, Hernando County, Florida
Spring Hill, in Hernando County, had 113,568 people in the 2020 census. Half its households earn more than $68,432 a year and half less, against $66,058 across Hernando County; 12% of its people live below the poverty line. 80% of its homes are lived in by their owners and 20% are rented. Unemployment in Hernando County was 5.4% in August 2026, and the county had 0.5% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Spring Hill is a large community in Hernando County, home to a great many people. Residents tend to be older than in much of the country, and most homes are lived in by their owners. Household incomes run a little above the county's, and fewer adults hold a four-year degree than in many places. Winters are mild, with January the coolest month and daytime highs still comfortable, while summers are hot, with August the warmest.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in restaurants, hotels and entertainment. Among the largest workplaces in Spring Hill are TGH Hernando Spring Hill, a general hospital, along with Walmart and Publix Super Markets. The typical commute is fairly long, and some residents work from home. Across Hernando County, unemployment has edged up over the past year and there are slightly fewer jobs than before.
Things to do. Weeki Wachee Springs, a protected area, is a short drive away, as is the Weeki Wachee River, a good choice for time on the water. Crews Lake Wilderness Park is also a short drive away, and the Brooksville Railroad Depot Museum, a short drive away as well, offers a look at local history. For a longer outing, Chassahowitzka National Wildlife Refuge is a longer drive away.
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- 45,571households
- 20%of adults have a degree
- 12%below the poverty line
- 30 mintypical commute
- 14%work from home
What residents work in
Employed residents by industry, from the Census survey. Hernando County had 50,575 jobs in 2025, 0.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 72° and lows near 47°; warmest in August, with highs near 92° and lows near 74°.
Average daily high and low, 1991–2020, at the Weeki Wachee weather station, 4 miles away (NOAA).
Largest workplaces in Spring Hill
- TGH Hernando Spring HillHospitals, general medical and surgical685
- WalmartWarehouse clubs and supercenters455
- YMCA of the SuncoastYouth centers250
- Encompass Health Rehabilitation HospRehabilitation hospital202FTE
- Sam's ClubWarehouse clubs and supercenters201
- Publix Super MarketsSupermarkets and other grocery stores200
- Publix Super MarketsSupermarkets and other grocery stores196
- AccuformNMCSigns and signboards manufacturing195
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 36 workplaces with 20 or more staff, 4,947 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesRelatively high
- LightningRelatively high
- Tornadoesrelatively high in parts of Spring HillRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Spring Hill’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Hernando County and the Tampa-St. Petersburg-Clearwater, FL metro.
Spring Hill home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Spring Hill$303,307
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 3 Spring Hill listings, and the typical home goes pending in 31 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Spring Hill31.67%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Spring Hill31
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Spring Hill890
New listings per month
Sellers arriving at the market.
- Spring Hill235
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Spring Hill$305,804
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Spring Hill97.90%
Zip codes with a Spring Hill address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Spring Hill — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Spring Hill
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 34609 | Spring Hill | 47,257 | $1,954 | $320,057 |
| 34608 | Spring Hill | 36,658 | $1,805 | $291,463 |
| 34606 | Spring Hill | 28,668 | $1,701 | $269,269 |
| 34610 | Spring Hill | 16,995 | $1,850 | $376,923 |