PlainZIP

Lake Mary, FL · standard

ZIP Code 32746

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

40,571
713/sq mi
$104,775
Median income
$462,900
Median home value
51.2%
Bachelor's or higher

The verdict

Lake Mary pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 16%
household income, US ZIPs
Top 15%
home value, US ZIPs
713
people per sq mi
63%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32746 against every reporting US ZIP.

ZIP code 32746 is classified by USPS as a standard delivery area and covers roughly 56.9 square miles in Lake Mary, Seminole County, Florida. The area is home to 40,571 residents, producing a population density of 713 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 32746 against Florida and the nation.

On the economic side, the median household income for ZIP 32746 sits at $104,775 (36% above the Florida average), while per-capita income is $60,143. The poverty rate stands at 5.9% and the unemployment rate at 3.1%. On housing, the median home value is $462,900 (23% above the state average) with median rent at $2,059 per month, and 63.4% of occupied units are owner-occupied, a direct signal of whether 32746 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 51.2% of adults hold a bachelor's degree or higher, the median age is 43.9, and the average commute is 27 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Seminole County, so you can benchmark 32746 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 32746

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32746.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32746, Lake Mary, FL · 2023 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

40,571

Population

56.9

Area (sq mi)

713

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 32746?

43.9

Median Age

47.8%

Male

52.2%

Female

19.0%

Foreign-Born

White 63.5%
African American 8.6%
Asian 9.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.9%
Hispanic or Latino 18.4%

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?

$104,775

Median Household Income

+36% vs state

$60,143

Per Capita Income

5.9%

Poverty Rate

3.1%

Unemployment Rate

26.7 min

Mean Commute Time

How ZIP 32746 ranks nationally

Household income vs. every US ZIP code

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

$104,775 Top 16% higher than 84% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 68.2%
Bachelor's Degree or Higher 51.2%

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

What does housing look like?

20,514

Total Housing Units

19,064

Occupied Units

1,450

Vacant Units

2.43

Avg Household Size

Occupancy Type

Owner 63.4%
Renter 36.6%

$462,900

Median Home Value

+23% vs state

$2,059

Median Rent

1996

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

+1.6%

YoY Change (2024)

298

HPI Index (2000 = 100)

+198%

Total Change Since 2000

Home values in ZIP 32746 have increased 1.6% over the past year (2024). Since 2000, this ZIP has seen +198% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.5% 195
2021 +10.8% 217
2022 +25.1% 271
2023 +8.1% 293
2024 +1.6% 298

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 2,131 business establishments in ZIP 32746, employing approximately 44,473 people with a combined annual payroll of $3,300,586,000.

2,131

Businesses

44,473

Employees

$3.3B

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 413 19.4%
Health care and social assistance 301 14.1%
Finance and insurance 274 12.9%
Real estate and rental and leasing 174 8.2%
Accommodation and food services 159 7.5%
Other services (except public administration) 145 6.8%
Retail trade 134 6.3%
Administrative and support and waste management and remediation services 124 5.8%
Construction 102 4.8%
Information 75 3.5%
Wholesale trade 71 3.3%
Educational services 51 2.4%
Arts, entertainment, and recreation 35 1.6%
Transportation and warehousing 24 1.1%
Manufacturing 20 0.9%
Management of companies and enterprises 17 0.8%
Utilities 6 0.3%
Industries not classified 5 0.2%

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 32746 vs 32750 →

ZIP 32746 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 32746 ranks #3 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32746 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 32746 ranks #2 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32750 Longwood, FL 22,713 4.0 mi
32771 Sanford, FL 49,481 3.8 mi
32779 Longwood, FL 27,556 4.8 mi
32701 Altamonte Springs, FL 21,577 6.9 mi
32773 Sanford, FL 28,787 6.5 mi
32730 Casselberry, FL 5,354 7.7 mi
32707 Casselberry, FL 35,335 7.4 mi
32751 Maitland, FL 19,928 9.2 mi
32713 Debary, FL 19,491 8.6 mi
32708 Winter Springs, FL 42,012 7.3 mi

More ZIP Codes in Seminole County

32765 standard
Oviedo, FL
Pop: 56,349
32771 standard
Sanford, FL
Pop: 49,481
32708 standard
Winter Springs, FL
Pop: 42,012
32707 standard
Casselberry, FL
Pop: 35,335
32714 standard
Altamonte Springs, FL
Pop: 34,862
32773 standard
Sanford, FL
Pop: 28,787

Related Areas

Seminole County Lake Mary, FL Florida

Frequently Asked Questions

What county is ZIP code 32746 in? ▼
ZIP code 32746 (Lake Mary) is located in Seminole County, Florida. Seminole County contains multiple ZIP codes, see the full list at /counties/seminole-fl.
What is the population of ZIP code 32746? ▼
ZIP code 32746 in Lake Mary, FL has a population of 40,571 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32746? ▼
The median household income in ZIP 32746 is $104,775, which is 37% above the national average of $76,288.
What is the average home value in ZIP 32746? ▼
The median home value in ZIP 32746 is $462,900, which is 66% above the national average of $278,155.
What is the demographic makeup of ZIP 32746? ▼
The largest racial group in ZIP 32746 is White at 63.5%. Hispanic or Latino residents make up 18.4% of the population.
How many businesses are in ZIP code 32746? ▼
ZIP code 32746 has 2,131 business establishments employing approximately 44,473 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32746? ▼
The top industries by establishment count in ZIP 32746 are: Professional, scientific, and technical services (413), Health care and social assistance (301), Finance and insurance (274). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 32746? ▼
According to the FHFA House Price Index, home values in ZIP 32746 increased by 1.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 198%. 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 32746? ▼
In ZIP code 32746, 68.2% of residents aged 25+ have a high school diploma or higher, and 51.2% 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 32746? ▼
The mean commute time for workers in ZIP code 32746 is 26.7 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 32746? ▼
In ZIP code 32746, approximately 63.4% of occupied housing units are owner-occupied and 36.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32746? ▼
The poverty rate in ZIP code 32746 is 5.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Lake Mary, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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