ZIP Code 32730 — Fern Park CDP, FL Demographics & Data

ZIP code 32730 covers Fern Park, FL in Seminole County with a population of about 6,158.

At a glance, the area shows median age of 40.0 (near the U.S. median).

It sits in telephone area codes 321, 407, 689; U.S. House district FL-7; the ORLANDO - DAYTONA BCH - MELBRN media market.

Fern Park, FL sits in a university / college context (near aviation institute of maintenance-orlando (1.9 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 32730 is about $47,154 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.9%; unemployment rate near 3.5%; 27.9% of adults with a bachelor’s degree or higher (about 5.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Administrative support; about 6.7% of workers reporting work-from-home (about 8.5 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 $284,800 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,246 (about 7% above the U.S. median rent ($1,163)), and owner-occupancy near 38.1% (about 27.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32730 in Fern Park, FL, a household would need roughly $78,000 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 $1,829. That is about 65% above the local median household income ($47,154), so the median earner would likely stretch or need a larger down payment. 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 Fern Park CDP, FL as Relatively Moderate (composite score 91.4), which is among the highest nationally. The strongest component scores on US5 are hurricane (94.7) and flood (92.7). 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 Fern Park CDP, FL show little to no average snow and around 51.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 276 for ZIP 32730 (Fern Park 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.