Best Places34786, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 34786, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
34786 ranks 675th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and an overheated housing market is the weak spot.
The best neighborhoods in 34786
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
34786's strengths and weaknesses
Where 34786 ranks high
- State infrastructureBetter than 98% of zip codes
- Cost of living vs incomeBetter than 98% of zip codes
- Health outlookBetter than 97% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Household income$145,637 median, better than 95% of zip codes
Where 34786 ranks low
- Housing crash safetyBetter than only 7% of zip codes
- Cheap car insuranceBetter than only 8% of zip codes
- Heat safetyBetter than only 18% of zip codes
- Disaster safetyBetter than only 22% of zip codes
- Low property taxBetter than only 42% of zip codes
What it costs to buy a home in 34786
A household needs to earn about $185,000 a year to comfortably buy the median 34786 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $145,637, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 34786's effective rate of 0.91%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 34786
34786's age mix sits close to the national median, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 34786.
Who works in 34786, and how
Work in 34786 centers on professional & technical and arts & entertainment. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 71%
- Work from home 27%
- Transit, walk, or bike 2%
Life in 34786
34786 has fewer places to eat and drink per resident than most zip codes and more parkland per resident than 68% of zip codes. Dining, parks, and nightlife concentrates in some parts of 34786 and thins out in others, which the map shows.
What the weather is like in 34786, month by month
34786 sees roughly 135 pleasant days a year. July highs average about 93 degrees. January highs sit near 73, with lows near 50. The comfortable stretch runs November through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 73° | 61° | 50° |
| April | 85° | 73° | 62° |
| July | 93° | 83° | 75° |
| October | 86° | 77° | 69° |
Flying in and out of 34786
Orlando International sits about 16 miles away. It is a large hub and boarded 28.1 million passengers in 2025, with 223 nonstop destinations.
The best schools in and around 34786
Schools across 34786 average an A, better than 90% of zip codes.
Top elementary schools
- Lake Whitney ElementaryA+ · 83% proficient
- Independence ElementaryA+ · 82% proficient
- Windermere ElementaryA+ · 81% proficient
Top middle schools
- Bridgewater MiddleA · 67% proficient
- Sunridge MiddleA · 65% proficient
- Horizon West MiddleA · 63% proficient
Top high schools
- Windermere HighA− · 59% proficient
- West Orange HighB+ · 56% proficient
- Olympia HighB · 45% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 34786 school and its grade on SchoolGrade.
34786 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 34786 against the other 33,109 zip codes.
Who 34786 suits
Remote workers
Cost of living against local pay beats 98% of zip codes, internet is fast and widely advertised, and 27% already work from home.
Common questions about living in 34786
Is 34786 a good place to live?
Using BestNeighborhood's default rankings, 34786 ranks 675th of 33,110 zip codes. It scores highest on state infrastructure, what local pay buys, and population health, and lowest on an overheated housing market and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 34786 expensive to live in?
The median home is worth $696,883. The overall cost of living runs about 2% below the national average. Set against a $145,637 median income, cost of living beats 98% of zip codes.
Is 34786 safe?
Yes, 34786 is safer than 87% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $132 per resident a year.
What is the weather like in 34786?
July highs average about 93 degrees, and January highs near 73 with lows near 50. That works out to about 135 pleasant days a year, more than 84% of zip codes.
Is 34786 good for families?
Schools beat 90% of zip codes, crime safety beats 87%, and childcare runs $908 a month.
Compare 34786 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 34786. Scores are absolute rather than ranked, which means a 60 in 34786 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
34786 detail on BestNeighborhood maps:
- Walk Grade for 34786: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 34786: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 34786: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 34786: carrier by carrier coverage behind the cell score.
34786 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.