ZIP Code 32195 — Lady Lake town, FL Demographics & Data

ZIP code 32195 covers Lady Lake, FL in Marion County with a population of about 3,282.

At a glance, the area shows median age of 56.0 versus a U.S. median of about 38.9.

It sits in telephone area code 352; U.S. House district FL-6; the ORLANDO - DAYTONA BCH - MELBRN media market.

Lady Lake, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 32195 is about $61,771 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 4.0%; 11.4% of adults with a bachelor’s degree or higher (about 22.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Other services, and Construction; about 3.2% of workers reporting work-from-home (about 12.0 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 $147,500 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.6% (about 28.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32195 in Lady Lake, FL, a household would need roughly $41,000 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 $948. That sits below the local median household income ($61,771), 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 Lady Lake town, FL as Relatively High (composite score 94.7), which is among the highest nationally. The strongest component scores on US5 are hurricane (97.8) and wildfire (96.8). 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 Lady Lake town, FL show little to no average snow and around 50.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 147 for ZIP 32195 (Lady Lake 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.