ZIP Code 32259 — Fruit Cove CDP, FL Demographics & Data

ZIP code 32259 covers Fruit Cove, FL in St. Johns County with a population of about 69,866.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area code 904; U.S. House district FL-5; the JACKSONVILLE media market.

Fruit Cove, FL aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 32259 is about $144,168 — about 92% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 2.8%; 53.7% of adults with a bachelor’s degree or higher (about 20.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Healthcare, and Professional services; about 27.1% of workers reporting work-from-home (about 11.9 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 $480,800 — about 38% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,002 (about 72% above the U.S. median rent ($1,163)), and owner-occupancy near 89.0% (about 23.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32259 in Fruit Cove, FL, a household would need roughly $132,000 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 $3,089. That is roughly in line with the local median household income ($144,168). 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 Fruit Cove CDP, FL as Relatively Moderate (composite score 87.5), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (93.7) and flood (89.4). 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 Fruit Cove CDP, FL show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,127 for ZIP 32259 (Fruit Cove 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.