Interlachen, FL · standard
ZIP Code 32148
Putnam County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,201
- 51/sq mi Moderate-density area
- $45,420
- Median income Below-median income area
- $112,300
- Median home value Below-median home value
- 11.8%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Interlachen pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 9th pct
- household income, US ZIPs
- 14th pct
- home value, US ZIPs
- 51
- people per sq mi
- 81%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32148 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 32148 (Interlachen, FL) rose +13.6% from 2023 to 2024. The all-transactions index moved from 302.8 in 2023 to 343.8 in 2024 (2000 = 100).
ZIP code 32148 is a mid-sized community (a standard USPS delivery area) in Interlachen, Putnam County, Florida, home to 11,201 residents across 218.8 square miles, a density of 51 people per square mile, in the New York time zone.
ZIP 32148 reports a modest median household income of $45,420 (41% below the average Florida ZIP), while per-capita income is $24,260. The poverty rate is 26.0%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $112,300 (70% below the average Florida ZIP), and median rent is $778; owner occupancy is 81.0%.
Formal educational attainment runs low here: just 11.8% of adults hold a bachelor's degree or higher, the median age is 41.1, and the average commute is 35 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Putnam County, so 32148 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 32148
Top 5 sectors by establishment count in Interlachen, FL
Which industries have the most business establishments in ZIP 32148.
- Retail trade
Retail trade
22 establishments
- Construction
Construction
21 establishments
- Other services (except public administration)
Other services (except public administration)
10 establishments
- Accommodation and food services
Accommodation and food services
9 establishments
- Real estate and rental and leasing 7
Real estate and rental and leasing
7 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 32148, Interlachen, 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
11,201
Population
218.8
Area (sq mi)
51
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32148?
41.1
Median Age
52.2%
Male
47.8%
Female
2.7%
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?
$45,420
Median Household Income
-41% vs state ZIP avg
$24,260
Per Capita Income
26.0%
Poverty Rate
4.1%
Unemployment Rate
35.1 min
Mean Commute Time
How ZIP 32148 ranks among Florida ZIPs
Interlachen, 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)
$45,420 7th percentile higher than 7% 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
5,595housing units
5,595
Total Housing Units
4,918
Occupied Units
677
Vacant Units
2.45
Avg Household Size
Occupancy Type
$112,300
Median Home Value
-70% vs state ZIP avg
$778
Median Rent
1985
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
+13.6%
YoY Change (2024)
344
HPI Index (2000 = 100)
+244%
Total Change Since 2000
Home values in ZIP 32148 have increased 13.6% over the past year (2024). Since 2000, this ZIP has seen +244% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -5.7% | 175 |
| 2021 | +22.6% | 215 |
| 2022 | +41.5% | 304 |
| 2023 | -0.4% | 303 |
| 2024 | +13.6% | 344 |
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 93 business establishments in ZIP 32148, employing approximately 650 people with a combined annual payroll of $19,980,000.
93
Businesses
650
Employees
$20.0M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 22 | 23.7% |
| Construction | 21 | 22.6% |
| Other services (except public administration) | 10 | 10.8% |
| Accommodation and food services | 9 | 9.7% |
| Real estate and rental and leasing | 7 | 7.5% |
| Professional, scientific, and technical services | 6 | 6.5% |
| Health care and social assistance | 5 | 5.4% |
| Administrative and support and waste management and remediation services | 4 | 4.3% |
| Transportation and warehousing | 3 | 3.2% |
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 32148 vs 32147 →
ZIP 32148 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32148
Interlachen (32148)
11,201 residents
- 32666
Melrose (32666)
5,916 residents
- 32147 593
Hollister (32147)
593 residents
What this shows Among its immediate neighbors, ZIP 32148 ranks the most populous - useful context the national average alone can't give.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32148, 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 (11,201 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Putnam County
Related Areas
Frequently Asked Questions
What county is ZIP code 32148 in?
ZIP code 32148 (Interlachen) is located in Putnam County, Florida. Putnam County contains multiple ZIP codes, see the full list at /counties/putnam-fl.
What is the population of ZIP code 32148?
ZIP code 32148 in Interlachen, FL has a population of 11,201 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32148?
The median household income in ZIP 32148 is $45,420, which is 40% below the national average of $76,288.
What is the average home value in ZIP 32148?
The median home value in ZIP 32148 is $112,300, which is 60% below the national average of $278,155.
What is the demographic makeup of ZIP 32148?
The largest racial group in ZIP 32148 is White at 81.2%. Hispanic or Latino residents make up 10.6% of the population.
How many businesses are in ZIP code 32148?
ZIP code 32148 has 93 business establishments employing approximately 650 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32148?
The top industries by establishment count in ZIP 32148 are: Retail trade (22), Construction (21), Other services (except public administration) (10). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 32148?
According to the FHFA House Price Index, home values in ZIP 32148 increased by 13.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 244%. 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 32148?
In ZIP code 32148, 53.5% of residents aged 25+ have a high school diploma or higher, and 11.8% 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 32148?
The mean commute time for workers in ZIP code 32148 is 35.1 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 32148?
In ZIP code 32148, approximately 81.0% of occupied housing units are owner-occupied and 19.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32148?
The poverty rate in ZIP code 32148 is 26.0% 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 32148's numbers, next.
- See how ZIP 32148 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Interlachen, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.