ZIP Code 32628 — Cross City town, FL Demographics & Data

ZIP code 32628 covers Cross City, FL in Dixie County with a population of about 5,423.

At a glance, the area shows median age of 39.7 (near the U.S. median).

It sits in telephone area code 352; U.S. House district FL-3; the GAINESVILLE media market.

Median household income in ZIP 32628 is about $42,029 — about 44% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.6%; unemployment rate near 1.6%; 11.5% of adults with a bachelor’s degree or higher (about 22.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Public administration; about 6.0% of workers reporting work-from-home (about 9.2 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 $96,600 — about 72% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $445 (about 62% below the U.S. median rent ($1,163)), and owner-occupancy near 77.6% (about 12.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32628 in Cross City, FL, a household would need roughly $27,000 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 $621. That sits below the local median household income ($42,029), 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 Cross City town, FL as Very Low (composite score 35.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (87.1) and wildfire (72.9). 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 Cross City town, FL show little to no average snow and around 51.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 243 for ZIP 32628 (Cross City 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.