ZIP Code 32097 — Yulee CDP, FL Demographics & Data

ZIP code 32097 covers Yulee, FL in Nassau County with a population of about 24,880.

At a glance, the area shows median age of 38.5 (near the U.S. median).

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

Median household income in ZIP 32097 is about $89,270 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 2.5%; 25.0% of adults with a bachelor’s degree or higher (about 8.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Manufacturing; about 11.0% of workers reporting work-from-home (about 4.2 points below 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 $293,300 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,497 (about 29% above the U.S. median rent ($1,163)), and owner-occupancy near 78.8% (about 13.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32097 in Yulee, FL, a household would need roughly $81,000 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 $1,884. That is roughly in line with the local median household income ($89,270). 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 Yulee CDP, FL as Relatively Low (composite score 59.3), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (88.4) and wildfire (86.5). 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 Yulee CDP, FL show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,114 for ZIP 32097 (Yulee 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.