ZIP 32034 vs ZIP 32097

This side-by-side compares ZIP 32034 (Fernandina Beach, FL) and ZIP 32097 (Yulee, FL) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 32034 has a population of 31,008 at 211 people per square mile, while ZIP 32097 has 15,616 at 45 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 32034 reports a median household income of $98,583 against $93,161 in ZIP 32097, with per-capita income of $62,968 vs $38,559. The share of adults holding a bachelor's degree or higher is 53.0% in 32034 and 28.1% in 32097. Poverty rate reads 7.8% vs 9.4%, and unemployment 6.4% vs 2.8% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $537,800 in 32034 versus $334,300 in 32097, with median rent of $1,605 and $1,892 per month respectively. Homeownership rate is 82.8% vs 80.2%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.