Hilliard, FL · standard
ZIP Code 32046
Nassau County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,410
- 19/sq mi Moderate-density area
- $71,563
- Median income Near-median income area
- $234,800
- Median home value Near-median home value
- 12.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Hilliard pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 49th pct
- household income, US ZIPs
- Top 46%
- home value, US ZIPs
- 19
- people per sq mi
- 78%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32046 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32046 (Hilliard, FL) fell -6.0% from 2023 to 2024.
ZIP code 32046 is a mid-sized community (a standard USPS delivery area) in Hilliard, Nassau County, Florida, home to 9,410 residents across 500.5 square miles, a density of 19 people per square mile, in the New York time zone.
ZIP 32046 lands in the middle-income range, with a median household income of $71,563 (7% below the average Florida ZIP), while per-capita income is $32,459. The poverty rate is 15.3%, with unemployment at 3.1%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $234,800 (37% below the average Florida ZIP), and median rent is $917; owner occupancy is 78.2%.
Formal educational attainment runs low here: just 12.4% of adults hold a bachelor's degree or higher, the median age is 41.3, and the average commute is 36 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 4 more in Nassau County, so 32046 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 32046
Top 5 sectors by establishment count in Hilliard, FL
Which industries have the most business establishments in ZIP 32046.
- Construction
Construction
42 establishments
- Other services (except public administration)
Other services (except public administration)
23 establishments
- Transportation and warehousing
Transportation and warehousing
18 establishments
- Retail trade
Retail trade
17 establishments
- Health care and social assistance 14
Health care and social assistance
14 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32046, Hilliard, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
9,410
Population
500.5
Area (sq mi)
19
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32046?
41.3
Median Age
46.9%
Male
53.1%
Female
0.6%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$71,563
Median Household Income
-7% vs state ZIP avg
$32,459
Per Capita Income
15.3%
Poverty Rate
3.1%
Unemployment Rate
35.9 min
Mean Commute Time
How ZIP 32046 ranks among Florida ZIPs
Hilliard, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$71,563 48th percentile higher than 48% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,007housing units
4,007
Total Housing Units
3,650
Occupied Units
357
Vacant Units
2.85
Avg Household Size
Occupancy Type
$234,800
Median Home Value
-37% vs state ZIP avg
$917
Median Rent
1991
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 170 business establishments in ZIP 32046, employing approximately 1,091 people with a combined annual payroll of $41,326,000.
170
Businesses
1,091
Employees
$41.3M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 42 | 24.7% |
| Other services (except public administration) | 23 | 13.5% |
| Transportation and warehousing | 18 | 10.6% |
| Retail trade | 17 | 10.0% |
| Health care and social assistance | 14 | 8.2% |
| Agriculture, forestry, fishing and hunting | 12 | 7.1% |
| Accommodation and food services | 11 | 6.5% |
| Professional, scientific, and technical services | 8 | 4.7% |
| Administrative and support and waste management and remediation services | 7 | 4.1% |
| Manufacturing | 6 | 3.5% |
| Real estate and rental and leasing | 3 | 1.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 32046 vs 32011 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 32011 | Callahan, FL | 13,854 | 10.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32046, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,410 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Nassau County
Related Areas
Frequently Asked Questions
What county is ZIP code 32046 in?
ZIP code 32046 (Hilliard) is located in Nassau County, Florida. Nassau County contains multiple ZIP codes, see the full list at /counties/nassau-fl.
What is the population of ZIP code 32046?
ZIP code 32046 in Hilliard, FL has a population of 9,410 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32046?
The median household income in ZIP 32046 is $71,563, which is 6% below the national average of $76,288.
What is the average home value in ZIP 32046?
The median home value in ZIP 32046 is $234,800, which is 16% below the national average of $278,155.
What is the demographic makeup of ZIP 32046?
The largest racial group in ZIP 32046 is White at 90.1%. Hispanic or Latino residents make up 2.6% of the population.
How many businesses are in ZIP code 32046?
ZIP code 32046 has 170 business establishments employing approximately 1,091 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32046?
The top industries by establishment count in ZIP 32046 are: Construction (42), Other services (except public administration) (23), Transportation and warehousing (18). There are 11 industry sectors represented in total.
What is the education level in ZIP code 32046?
In ZIP code 32046, 61.0% of residents aged 25+ have a high school diploma or higher, and 12.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32046?
The mean commute time for workers in ZIP code 32046 is 35.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32046?
In ZIP code 32046, approximately 78.2% of occupied housing units are owner-occupied and 21.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32046?
The poverty rate in ZIP code 32046 is 15.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 32046's numbers, next.
- See how ZIP 32046 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Hilliard, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.