ZIP Code 32709 — Christmas CDP, FL Demographics & Data

ZIP code 32709 covers Christmas, FL in Orange County with a population of about 1,665.

At a glance, the area shows median age of 40.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 321, 407, 689; U.S. House district FL-8; the ORLANDO - DAYTONA BCH - MELBRN media market.

Christmas, 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 32709 is about $83,015 — about 10% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.3%; unemployment rate near 0.0%; 32.5% of adults with a bachelor’s degree or higher (about 1.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Other services; about 3.7% of workers reporting work-from-home (about 11.5 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 $293,200 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.0% (about 20.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32709 in Christmas, FL, a household would need roughly $81,000 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 $1,883. That is roughly in line with the local median household income ($83,015). 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 Christmas CDP, FL as Relatively High (composite score 98.4), which is among the highest nationally. The strongest component scores on US5 are flood (98.4) and hurricane (98.0). 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 Christmas CDP, FL show little to no average snow and around 55.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 75 for ZIP 32709 (Christmas 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.