PlainZIP

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
$45,420
Median income
$112,300
Median home value
11.8%
Bachelor's or higher

The verdict

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.

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 Florida average), while per-capita income is $24,260. The poverty rate stands at 26.0% and the unemployment rate at 4.1%. On housing, the median home value is $112,300 (70% below the state average) with median rent at $778 per month, and 81.0% of occupied units are owner-occupied.

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. To put 32148 in local context, 2 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Putnam County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

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 32148?

41.1

Median Age

52.2%

Male

47.8%

Female

2.7%

Foreign-Born

White 81.2%
African American 3.7%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.3%
Hispanic or Latino 10.6%

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

$24,260

Per Capita Income

26.0%

Poverty Rate

4.1%

Unemployment Rate

35.1 min

Mean Commute Time

How ZIP 32148 ranks nationally

Interlachen, FL household income vs. every US ZIP code

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

$45,420 9th percentile higher than 9% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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 53.5%
Bachelor's Degree or Higher 11.8%

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

What does housing look like?

5,595

Total Housing Units

4,918

Occupied Units

677

Vacant Units

2.45

Avg Household Size

Occupancy Type

Owner 81.0%
Renter 19.0%

$112,300

Median Home Value

-70% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 32148 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32147 Hollister, FL 593 5.9 mi
32666 Melrose, FL 5,916 10.5 mi

More ZIP Codes in Putnam County

32177 standard
Palatka, FL
Pop: 27,132
32640 standard
Hawthorne, FL
Pop: 10,510
32112 standard
Crescent City, FL
Pop: 7,713
32666 standard
Melrose, FL
Pop: 5,916
32189 standard
Satsuma, FL
Pop: 5,807
32131 standard
East Palatka, FL
Pop: 4,701

Related Areas

Putnam County Interlachen, FL Florida

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.

Read our methodology to see how this data is sourced, computed, and verified.