ZIP Code 32697 — Worthington Springs town, FL Demographics & Data

ZIP code 32697 covers Worthington Springs, FL in Union County with a population of about 156.

At a glance, the area shows median age of 30.0 versus a U.S. median of about 38.9.

It sits in telephone area code 386; U.S. House district FL-3; the JACKSONVILLE media market.

Worthington Springs, FL reads as a military / base-oriented community on US5’s intent model (elevated veteran share (20.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

On socioeconomic markers, US5 shows a poverty rate of 21.1%; unemployment rate near 11.0%; 17.7% of adults with a bachelor’s degree or higher (about 16.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Public administration, and Construction; a mean commute of about 65.0 minutes (U.S. average near 26.8).

Median home value is about $156,300 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,076 (about 7% below the U.S. median rent ($1,163)), and owner-occupancy near 46.7% (about 18.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32697 in Worthington Springs, FL, a household would need roughly $43,000 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 $1,004. 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 Worthington Springs town, FL as Very Low (composite score 10.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (81.5) and wildfire (73.9). 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 Worthington Springs town, FL show little to no average snow and around 51.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 32697 (Worthington Springs 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.