Best Places34981, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 34981, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
34981 ranks 24,556th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and disaster risk is the weak spot.
The best neighborhoods in 34981
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.
34981's strengths and weaknesses
Where 34981 ranks high
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Cell coverageBetter than 81% of zip codes
- Internet speedBetter than 74% of zip codes
- BikingBetter than 73% of zip codes
Where 34981 ranks low
- Disaster safetyBetter than only 2% of zip codes
- Cheap car insuranceBetter than only 6% of zip codes
- Heat safetyBetter than only 8% of zip codes
- Housing crash safetyBetter than only 8% of zip codes
- Healthcare accessBetter than only 13% of zip codes
What it costs to buy a home in 34981
A household needs to earn about $85,000 a year to comfortably buy the median 34981 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $70,752, 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 34981's effective rate of 0.64%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 7 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 34981
34981's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 34981.
Who works in 34981, and how
Work in 34981 centers on construction and health care & social. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 79%
- Work from home 16%
- Transit, walk, or bike 5%
Life in 34981
The coast is about 11 minutes away. Distance to the water changes a lot across 34981, which the map shows.
What the weather is like in 34981, month by month
34981 sees roughly 109 pleasant days a year. July highs average about 92 degrees. January highs sit near 76, with lows near 51. The comfortable stretch runs November through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 76° | 63° | 51° |
| April | 84° | 73° | 62° |
| July | 92° | 82° | 73° |
| October | 86° | 77° | 70° |
Flying in and out of 34981
The nearest airport, Vero Beach Regional, is about 18 miles away and is a small airport. The nearest major hub is Palm Beach International, about 52 miles away.
The best schools in and around 34981
Schools across 34981 average a B, better than 63% of zip codes.
Top elementary schools
- Allapattah Flats K-8B · 49% proficient
Top middle schools
- Southern Oaks Middle SchoolC+ · 37% proficient
- Forest Grove Middle SchoolC+ · 37% proficient
Top high schools
- Treasure Coast High SchoolB · 48% proficient
- Fort Pierce Central High SchoolC+ · 39% proficient
- Pace Center For Girls Treasure CoastD− · 15% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 34981 school and its grade on SchoolGrade.
34981 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 34981 against the other 33,109 zip codes.
Common questions about living in 34981
Is 34981 a good place to live?
Using BestNeighborhood's default rankings, 34981 ranks 24,556th of 33,110 zip codes. It scores highest on state infrastructure, low taxes, and cell coverage, and lowest on disaster risk 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 34981 expensive to live in?
The median home is worth $332,143. The overall cost of living runs about 14% below the national average. Set against a $70,752 median income, cost of living beats 47% of zip codes.
Is 34981 safe?
34981 is safer than 19% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $312 per resident a year.
Compare 34981 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 34981. Scores are absolute rather than ranked, which means a 60 in 34981 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.
34981 detail on BestNeighborhood maps:
- Walk Grade for 34981: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 34981: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 34981: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 34981: carrier by carrier coverage behind the cell score.
34981 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.