ZIP Code 32157 — undefined, FL Demographics & Data

ZIP code 32157 covers FL in Putnam County with a population of about 715.

At a glance, the area shows median age of 40.8 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 32157 is about $32,057 — about 57% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.8%; unemployment rate near 4.4%; 13.0% of adults with a bachelor’s degree or higher (about 20.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Administrative support, and Agriculture; about 17.1% of workers reporting work-from-home (about 1.9 points above 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 $136,600 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 74.2% (about 8.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32157 in FL, a household would need roughly $38,000 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 $877. That is about 19% above the local median household income ($32,057), so the median earner would likely stretch or need a larger down payment. 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 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 FL show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 32 for ZIP 32157 (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.