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 High-density area
- $63,472
- Median income Near-median income area
- $266,500
- Median home value Near-median home value
- 26.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32778 (Tavares, FL) rose +5.4% from 2023 to 2024. The all-transactions index moved from 334.9 in 2023 to 353.0 in 2024 (2000 = 100).
ZIP code 32778 is a mid-sized community (a standard USPS delivery area) in Tavares, Lake County, Florida, home to 18,617 residents across 65.0 square miles, a density of 286 people per square mile, in the New York time zone.
ZIP 32778 reports a modest median household income of $63,472 (18% below the average Florida ZIP), while per-capita income is $40,226. The poverty rate is 9.6%, with unemployment at 2.5%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $266,500 (29% below the average Florida ZIP), and median rent is $1,514; owner occupancy is 78.6%.
Educational attainment sits below the national norm: 26.1% of adults hold a bachelor's degree or higher, the median age is 53.1, and the average commute is 31 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Lake County, so 32778 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 32778
Top 5 sectors by establishment count in Tavares, FL
Which industries have the most business establishments in ZIP 32778.
- Health care and social assistance
Health care and social assistance
115 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
78 establishments
- Other services (except public administration)
Other services (except public administration)
69 establishments
- Construction
Construction
66 establishments
- Retail trade
Retail trade
62 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 32778, Tavares, 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
18,617
Population
65.0
Area (sq mi)
286
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32778?
53.1
Median Age
48.2%
Male
51.8%
Female
9.7%
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?
$63,472
Median Household Income
-18% vs state ZIP avg
$40,226
Per Capita Income
9.6%
Poverty Rate
2.5%
Unemployment Rate
30.7 min
Mean Commute Time
How ZIP 32778 ranks among Florida ZIPs
Tavares, 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)
$63,472 34th percentile higher than 34% 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
12,278housing units
12,278
Total Housing Units
11,022
Occupied Units
1,256
Vacant Units
2.17
Avg Household Size
Occupancy Type
$266,500
Median Home Value
-29% vs state ZIP avg
$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.
- 32757
Mount Dora (32757)
23,746 residents
- 32726
Eustis (32726)
20,029 residents
- 32778
Tavares (32778)
18,617 residents
- 34788
Leesburg (34788)
17,519 residents
- 32735 3,903
Grand Island (32735)
3,903 residents
- 32798 2,550
Zellwood (32798)
2,550 residents
- 34737 2,523
Howey In The Hills (34737)
2,523 residents
- 34705 2,500
Astatula (34705)
2,500 residents
- 34797 1,293
Yalaha (34797)
1,293 residents
What this shows Among its immediate neighbors, ZIP 32778 ranks #3 by population - useful context the national average alone can't give.
ZIP 32778 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34797
Yalaha (34797)
$130,227 median income
- 32757
Mount Dora (32757)
$77,216 median income
- 34705
Astatula (34705)
$74,063 median income
- 32735
Grand Island (32735)
$68,441 median income
- 34737
Howey In The Hills (34737)
$66,563 median income
- 32778
Tavares (32778)
$63,472 median income
- 32798
Zellwood (32798)
$63,178 median income
- 32726
Eustis (32726)
$63,152 median income
- 34788
Leesburg (34788)
$54,147 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32778, 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 (18,617 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Lake County
Related Areas
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.
Related
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What to do with ZIP 32778's numbers, next.
- See how ZIP 32778 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Tavares, 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.