ZIP Code 32766 — Oviedo city, FL Demographics & Data

ZIP code 32766 covers Oviedo, FL in Seminole County with a population of about 15,966.

At a glance, the area shows median age of 42.2 versus a U.S. median of about 38.9.

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

Oviedo, 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 32766 is about $146,215 — about 95% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.9%; unemployment rate near 2.8%; 53.0% of adults with a bachelor’s degree or higher (about 19.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Manufacturing; about 22.3% of workers reporting work-from-home (about 7.1 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 $529,600 — about 52% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,765 (about 52% above the U.S. median rent ($1,163)), and owner-occupancy near 88.7% (about 23.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32766 in Oviedo, FL, a household would need roughly $146,000 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 $3,402. That is roughly in line with the local median household income ($146,215). 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 Oviedo city, 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 Oviedo city, FL show little to no average snow and around 55.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 715 for ZIP 32766 (Oviedo city, 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.