PlainZIP

Tavares, FL · standard

ZIP Code 32778

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

18,617
286/sq mi
$63,472
Median income
$266,500
Median home value
26.1%
Bachelor's or higher

The verdict

Tavares pairs a below-median household income with above-median home values, in a low-density, homeowner-dominated area.

36th pct
household income, US ZIPs
Top 39%
home value, US ZIPs
286
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32778 against every reporting US ZIP.

ZIP code 32778 is classified by USPS as a standard delivery area and covers roughly 65.0 square miles in Tavares, Lake County, Florida. The area is home to 18,617 residents, producing a population density of 286 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 32778 against Florida and the nation.

On the economic side, the median household income for ZIP 32778 sits at $63,472 (18% below the Florida average), while per-capita income is $40,226. The poverty rate stands at 9.6% and the unemployment rate at 2.5%. On housing, the median home value is $266,500 (29% below the state average) with median rent at $1,514 per month, and 78.6% of occupied units are owner-occupied, a direct signal of whether 32778 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 26.1% of adults hold a bachelor's degree or higher, the median age is 53.1, and the average commute is 31 minutes. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Lake County, so you can benchmark 32778 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 32778

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32778.

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 32778, Tavares, 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

18,617

Population

65.0

Area (sq mi)

286

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 32778?

53.1

Median Age

48.2%

Male

51.8%

Female

9.7%

Foreign-Born

White 75.9%
African American 7.2%
Asian 2.0%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.7%
Hispanic or Latino 13.7%

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?

$63,472

Median Household Income

-18% vs state

$40,226

Per Capita Income

9.6%

Poverty Rate

2.5%

Unemployment Rate

30.7 min

Mean Commute Time

How ZIP 32778 ranks nationally

Household income vs. every US ZIP code

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

$63,472 36th percentile higher than 36% 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%). This entry sits in this band. $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 55.5%
Bachelor's Degree or Higher 26.1%

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

What does housing look like?

12,278

Total Housing Units

11,022

Occupied Units

1,256

Vacant Units

2.17

Avg Household Size

Occupancy Type

Owner 78.6%
Renter 21.4%

$266,500

Median Home Value

-29% vs state

$1,514

Median Rent

1993

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

+5.4%

YoY Change (2024)

353

HPI Index (2000 = 100)

+253%

Total Change Since 2000

Home values in ZIP 32778 have increased 5.4% over the past year (2024). Since 2000, this ZIP has seen +253% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.5% 214
2021 +12.4% 240
2022 +27.0% 305
2023 +9.8% 335
2024 +5.4% 353

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 618 business establishments in ZIP 32778, employing approximately 8,006 people with a combined annual payroll of $432,013,000.

618

Businesses

8,006

Employees

$432.0M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 115 18.6%
Professional, scientific, and technical services 78 12.6%
Other services (except public administration) 69 11.2%
Construction 66 10.7%
Retail trade 62 10.0%
Accommodation and food services 43 7.0%
Administrative and support and waste management and remediation services 42 6.8%
Real estate and rental and leasing 26 4.2%
Manufacturing 25 4.0%
Wholesale trade 23 3.7%
Finance and insurance 22 3.6%
Arts, entertainment, and recreation 15 2.4%
Transportation and warehousing 12 1.9%
Information 8 1.3%
Educational services 5 0.8%
Mining, quarrying, and oil and gas extraction 3 0.5%

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 32778 vs 34705 →

ZIP 32778 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 32778 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 32778 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 32778 ranks #6 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
34705 Astatula, FL 2,500 5.4 mi
32757 Mount Dora, FL 23,746 5.6 mi
32735 Grand Island, FL 3,903 8.0 mi
32726 Eustis, FL 20,029 6.2 mi
34797 Yalaha, FL 1,293 6.1 mi
34737 Howey In The Hills, FL 2,523 7.1 mi
34788 Leesburg, FL 17,519 8.7 mi
32798 Zellwood, FL 2,550 9.4 mi

More ZIP Codes in Lake County

34711 standard
Clermont, FL
Pop: 51,847
34748 standard
Leesburg, FL
Pop: 38,246
32159 standard
Lady Lake, FL
Pop: 28,867
32757 standard
Mount Dora, FL
Pop: 23,746
32726 standard
Eustis, FL
Pop: 20,029
34788 standard
Leesburg, FL
Pop: 17,519

Related Areas

Lake County Tavares, FL Florida

Frequently Asked Questions

What county is ZIP code 32778 in? ▼
ZIP code 32778 (Tavares) is located in Lake County, Florida. Lake County contains multiple ZIP codes, see the full list at /counties/lake-fl.
What is the population of ZIP code 32778? ▼
ZIP code 32778 in Tavares, FL has a population of 18,617 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32778? ▼
The median household income in ZIP 32778 is $63,472, which is 17% below the national average of $76,288.
What is the average home value in ZIP 32778? ▼
The median home value in ZIP 32778 is $266,500, which is 4% below the national average of $278,155.
What is the demographic makeup of ZIP 32778? ▼
The largest racial group in ZIP 32778 is White at 75.9%. Hispanic or Latino residents make up 13.7% of the population.
How many businesses are in ZIP code 32778? ▼
ZIP code 32778 has 618 business establishments employing approximately 8,006 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32778? ▼
The top industries by establishment count in ZIP 32778 are: Health care and social assistance (115), Professional, scientific, and technical services (78), Other services (except public administration) (69). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 32778? ▼
According to the FHFA House Price Index, home values in ZIP 32778 increased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 253%. 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 32778? ▼
In ZIP code 32778, 55.5% of residents aged 25+ have a high school diploma or higher, and 26.1% 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 32778? ▼
The mean commute time for workers in ZIP code 32778 is 30.7 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 32778? ▼
In ZIP code 32778, approximately 78.6% of occupied housing units are owner-occupied and 21.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32778? ▼
The poverty rate in ZIP code 32778 is 9.6% 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 Tavares, 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.