ZIP Code 32189 — Welaka town, FL Demographics & Data

ZIP code 32189 covers Welaka, FL in Putnam County with a population of about 5,527.

At a glance, the area shows median age of 53.4 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 32189 is about $42,566 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.9%; unemployment rate near 10.4%; 13.4% of adults with a bachelor’s degree or higher (about 20.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Construction; about 6.3% of workers reporting work-from-home (about 8.9 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 $118,200 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $582 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 62.7% (about 2.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32189 in Welaka, FL, a household would need roughly $33,000 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 $759. That sits below the local median household income ($42,566), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Welaka town, 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 Welaka town, FL show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 247 for ZIP 32189 (Welaka town, 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.