ZIP Code 32131 — East Palatka CDP, FL Demographics & Data

ZIP code 32131 covers East Palatka, FL in Putnam County with a population of about 4,596.

At a glance, the area shows median age of 45.6 versus a U.S. median of about 38.9.

It sits in telephone area code 386; U.S. House district FL-6; the JACKSONVILLE media market.

Median household income in ZIP 32131 is about $66,580 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.6%; unemployment rate near 4.9%; 17.3% of adults with a bachelor’s degree or higher (about 16.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Manufacturing; about 14.6% 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 $222,300 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $762 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 78.2% (about 12.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32131 in East Palatka, FL, a household would need roughly $61,000 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 $1,428. That is roughly in line with the local median household income ($66,580). 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 East Palatka CDP, FL as Relatively Low (composite score 79.7), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (93.5) and wildfire (90.5). 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 East Palatka 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 206 for ZIP 32131 (East Palatka 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.