Starke, FL · standard

ZIP Code 32091

Bradford County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 14, 2026

15,472
45/sq mi: $62,852
Median income: $206,200
Median home value: 18.0%
Bachelor's or higher

The verdict

Starke pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

34th pct
household income, US ZIPs: 45th pct
home value, US ZIPs: 45
people per sq mi: 66%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32091 against every reporting US ZIP.

ZIP code 32091 is classified by USPS as a standard delivery area and covers roughly 345.4 square miles in Starke, Bradford County, Florida. The area is home to 15,472 residents, producing a population density of 45 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32091 against Florida and the nation.

On the economic side, the median household income for ZIP 32091 sits at $62,852 (19% below the Florida average), while per-capita income is $29,320. The poverty rate stands at 16.6% and the unemployment rate at 4.6%. On housing, the median home value is $206,200 (45% below the state average) with median rent at $830 per month, and 66.0% of occupied units are owner-occupied, a direct signal of whether 32091 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 18.0% of adults hold a bachelor's degree or higher, the median age is 39.4, and the average commute is 31 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Bradford County, so you can benchmark 32091 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 32091

Retail trade

64
Other services (except public administration)

52
Accommodation and food services

40
Health care and social assistance

36
Construction

34

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32091, Starke, FL · 2023 Accessed 2026-06-14 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

15,472

Population

345.4

Area (sq mi)

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard

Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.

View Scorecard →

Who lives in ZIP 32091?

39.4

Median Age

46.8%

Male

53.2%

Female

3.2%

Foreign-Born

White 75.9%

African American 14.9%

Asian 0.5%

American Indian or Alaska Native 0.0%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 7.6%

Hispanic or Latino 4.9%

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?

$62,852

Median Household Income

-19% vs state

$29,320

Per Capita Income

16.6%

Poverty Rate

4.6%

Unemployment Rate

31.2 min

Mean Commute Time

How ZIP 32091 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$62,852 34th percentile higher than 34% of 30,318 US ZIPs

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 60.6%

Bachelor's Degree or Higher 18.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

6,685

Total Housing Units

5,517

Occupied Units

1,168

Vacant Units

2.55

Avg Household Size

Occupancy Type

Owner 66.0%

Renter 34.0%

$206,200

Median Home Value

-45% vs state

$830

Median Rent

1983

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-12.8%

YoY Change (2024)

281

HPI Index (2000 = 100)

+181%

Total Change Since 2000

Home values in ZIP 32091 have decreased 12.8% over the past year (2024). Since 2000, this ZIP has seen +181% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+2.8%	189
2021	+13.6%	215
2022	+30.5%	280
2023	+15.1%	323
2024	-12.8%	281

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 351 business establishments in ZIP 32091, employing approximately 4,192 people with a combined annual payroll of $178,033,000.

351

Businesses

4,192

Employees

$178.0M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Retail trade	64	18.2%
Other services (except public administration)	52	14.8%
Accommodation and food services	40	11.4%
Health care and social assistance	36	10.3%
Construction	34	9.7%
Professional, scientific, and technical services	31	8.8%
Finance and insurance	16	4.6%
Real estate and rental and leasing	13	3.7%
Wholesale trade	11	3.1%
Transportation and warehousing	11	3.1%
Information	11	3.1%
Administrative and support and waste management and remediation services	11	3.1%
Manufacturing	10	2.9%
Educational services	4	1.1%
Arts, entertainment, and recreation	3	0.8%

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 32091 vs 32044 →

32091

15,472
32694

2,142
32044

2,060
32026

1,959

What this shows Among its immediate neighbors, ZIP 32091 ranks the most populous — useful context the national average alone can't give.

32091

$62,852
32044

$46,338
32694

$43,537

What this shows By household income, ZIP 32091 ranks the highest of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
32044	Hampton, FL	2,060	5.7 mi
32694	Waldo, FL	2,142	9.5 mi
32026	Raiford, FL	1,959	9.1 mi

More ZIP Codes in Bradford County

Bradford County Starke, FL Florida

Frequently Asked Questions

What county is ZIP code 32091 in? ▼

ZIP code 32091 (Starke) is located in Bradford County, Florida. Bradford County contains multiple ZIP codes, see the full list at /counties/bradford-fl.

What is the population of ZIP code 32091? ▼

ZIP code 32091 in Starke, FL has a population of 15,472 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 32091? ▼

The median household income in ZIP 32091 is $62,852, which is 18% below the national average of $76,288.

What is the average home value in ZIP 32091? ▼

The median home value in ZIP 32091 is $206,200, which is 26% below the national average of $278,155.

What is the demographic makeup of ZIP 32091? ▼

The largest racial group in ZIP 32091 is White at 75.9%. Hispanic or Latino residents make up 4.9% of the population.

How many businesses are in ZIP code 32091? ▼

ZIP code 32091 has 351 business establishments employing approximately 4,192 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 32091? ▼

The top industries by establishment count in ZIP 32091 are: Retail trade (64), Other services (except public administration) (52), Accommodation and food services (40). There are 15 industry sectors represented in total.

How have home values changed in ZIP code 32091? ▼

According to the FHFA House Price Index, home values in ZIP 32091 decreased by 12.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 181%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.

What is the education level in ZIP code 32091? ▼

In ZIP code 32091, 60.6% of residents aged 25+ have a high school diploma or higher, and 18.0% 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 32091? ▼

The mean commute time for workers in ZIP code 32091 is 31.2 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 32091? ▼

In ZIP code 32091, approximately 66.0% of occupied housing units are owner-occupied and 34.0% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 32091? ▼

The poverty rate in ZIP code 32091 is 16.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.