ZIP Code 32043 — Asbury Lake CDP, FL Demographics & Data

ZIP code 32043 covers Asbury Lake, FL in Clay County with a population of about 33,592.

At a glance, the area shows median age of 41.0 versus a U.S. median of about 38.9.

It sits in telephone area code 904; U.S. House district FL-4; the JACKSONVILLE media market.

Median household income in ZIP 32043 is about $80,698 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.3%; unemployment rate near 3.3%; 30.5% of adults with a bachelor’s degree or higher (about 3.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 14.9% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $292,300 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,151 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 81.7% (about 16.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32043 in Asbury Lake, FL, a household would need roughly $80,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,878. That is roughly in line with the local median household income ($80,698). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Asbury Lake CDP, FL as Relatively Moderate (composite score 81.1), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (89.8) and flood (85.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Asbury Lake CDP, FL show little to no average snow and around 51.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,503 for ZIP 32043 (Asbury Lake CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.