ZIP Code 33637 — Temple Terrace city, FL Demographics & Data

ZIP code 33637 covers Temple Terrace, FL in Hillsborough County with a population of about 17,785.

At a glance, the area shows median age of 34.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 656, 813; U.S. House district FL-15; the TAMPA - ST. PETE (SARASOTA) media market.

Temple Terrace, FL sits in a university / college context (near florida college (1.4 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 33637 is about $60,526 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.2%; unemployment rate near 4.2%; 35.5% of adults with a bachelor’s degree or higher (about 1.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Food services; about 17.8% of workers reporting work-from-home (about 2.6 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 $213,800 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,379 (about 19% above the U.S. median rent ($1,163)), and owner-occupancy near 41.0% (about 24.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33637 in Temple Terrace, FL, a household would need roughly $59,000 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 $1,373. That is roughly in line with the local median household income ($60,526). 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 Temple Terrace city, FL as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.3) and flood (97.8). 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 Temple Terrace city, FL show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 796 for ZIP 33637 (Temple Terrace 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.