ZIP Code 32778 — Tavares city, FL Demographics & Data

ZIP code 32778 covers Tavares, FL in Lake County with a population of about 25,099.

At a glance, the area shows median age of 53.8 versus a U.S. median of about 38.9.

It sits in telephone area code 352; U.S. House district FL-11; the ORLANDO - DAYTONA BCH - MELBRN media market.

Tavares, 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 32778 is about $61,815 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.4%; unemployment rate near 3.6%; 25.1% of adults with a bachelor’s degree or higher (about 8.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 8.1% of workers reporting work-from-home (about 7.1 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 $241,500 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,073 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 78.0% (about 12.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32778 in Tavares, FL, a household would need roughly $66,000 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 $1,551. That is roughly in line with the local median household income ($61,815). 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 Tavares city, FL as Relatively Moderate (composite score 91.9), which is among the highest nationally. The strongest component scores on US5 are wildfire (96.0) and hurricane (95.0). 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 Tavares city, FL show little to no average snow and around 43.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,123 for ZIP 32778 (Tavares 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.