Umatilla, FL · standard
ZIP Code 32784
Lake County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,432
- 48/sq mi Moderate-density area
- $72,201
- Median income Near-median income area
- $272,800
- Median home value Near-median home value
- 15.9%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Umatilla pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 50%
- household income, US ZIPs
- Top 38%
- home value, US ZIPs
- 48
- people per sq mi
- 85%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32784 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 32784 (Umatilla, FL) rose +5.7% from 2023 to 2024. The all-transactions index moved from 356.0 in 2023 to 376.3 in 2024 (2000 = 100).
ZIP code 32784 is a mid-sized community (a standard USPS delivery area) in Umatilla, Lake County, Florida, home to 11,432 residents across 237.7 square miles, a density of 48 people per square mile, in the New York time zone.
ZIP 32784 lands in the middle-income range, with a median household income of $72,201 (6% below the average Florida ZIP), while per-capita income is $39,519. The poverty rate is 11.3%, with unemployment at 4.3%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $272,800 (27% below the average Florida ZIP), and median rent is $1,020; owner occupancy is 84.9%.
Educational attainment sits below the national norm: 15.9% of adults hold a bachelor's degree or higher, the median age is 45.6, and the average commute is 33 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Lake County, so 32784 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 32784
Top 5 sectors by establishment count in Umatilla, FL
Which industries have the most business establishments in ZIP 32784.
- Construction
Construction
68 establishments
- Retail trade
Retail trade
30 establishments
- Administrative and support and waste management and remediation services 24
Administrative and support and waste management and remediation services
24 establishments
- Other services (except public administration) 24
Other services (except public administration)
24 establishments
- Professional, scientific, and technical services 21
Professional, scientific, and technical services
21 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 32784, Umatilla, 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
11,432
Population
237.7
Area (sq mi)
48
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32784?
45.6
Median Age
51.9%
Male
48.1%
Female
3.0%
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?
$72,201
Median Household Income
-6% vs state ZIP avg
$39,519
Per Capita Income
11.3%
Poverty Rate
4.3%
Unemployment Rate
32.8 min
Mean Commute Time
How ZIP 32784 ranks among Florida ZIPs
Umatilla, 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)
$72,201 49th percentile higher than 49% 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
4,959housing units
4,959
Total Housing Units
4,094
Occupied Units
865
Vacant Units
2.44
Avg Household Size
Occupancy Type
$272,800
Median Home Value
-27% vs state ZIP avg
$1,020
Median Rent
1984
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
+5.7%
YoY Change (2024)
376
HPI Index (2000 = 100)
+276%
Total Change Since 2000
Home values in ZIP 32784 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +276% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.5% | 224 |
| 2021 | +10.9% | 248 |
| 2022 | +28.1% | 318 |
| 2023 | +12.1% | 356 |
| 2024 | +5.7% | 376 |
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 245 business establishments in ZIP 32784, employing approximately 1,950 people with a combined annual payroll of $82,434,000.
245
Businesses
1,950
Employees
$82.4M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 68 | 27.8% |
| Retail trade | 30 | 12.2% |
| Administrative and support and waste management and remediation services | 24 | 9.8% |
| Other services (except public administration) | 24 | 9.8% |
| Professional, scientific, and technical services | 21 | 8.6% |
| Accommodation and food services | 16 | 6.5% |
| Health care and social assistance | 11 | 4.5% |
| Manufacturing | 9 | 3.7% |
| Finance and insurance | 9 | 3.7% |
| Real estate and rental and leasing | 9 | 3.7% |
| Transportation and warehousing | 6 | 2.5% |
| Wholesale trade | 5 | 2.0% |
| Educational services | 5 | 2.0% |
| Information | 3 | 1.2% |
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 32784 vs 32735 →
ZIP 32784 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32726
Eustis (32726)
20,029 residents
- 34788
Leesburg (34788)
17,519 residents
- 32784
Umatilla (32784)
11,432 residents
- 32735 3,903
Grand Island (32735)
3,903 residents
- 32702 2,705
Altoona (32702)
2,705 residents
What this shows Among its immediate neighbors, ZIP 32784 ranks #3 by population - useful context the national average alone can't give.
ZIP 32784 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32784
Umatilla (32784)
$72,201 median income
- 32735
Grand Island (32735)
$68,441 median income
- 32726
Eustis (32726)
$63,152 median income
- 34788
Leesburg (34788)
$54,147 median income
- 32702
Altoona (32702)
$50,935 median income
What this shows By household income, ZIP 32784 ranks the highest of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32784, 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 (11,432 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 32784 in?
ZIP code 32784 (Umatilla) 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 32784?
ZIP code 32784 in Umatilla, FL has a population of 11,432 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32784?
The median household income in ZIP 32784 is $72,201, which is 5% below the national average of $76,288.
What is the average home value in ZIP 32784?
The median home value in ZIP 32784 is $272,800, which is 2% below the national average of $278,155.
What is the demographic makeup of ZIP 32784?
The largest racial group in ZIP 32784 is White at 87.4%. Hispanic or Latino residents make up 9.6% of the population.
How many businesses are in ZIP code 32784?
ZIP code 32784 has 245 business establishments employing approximately 1,950 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32784?
The top industries by establishment count in ZIP 32784 are: Construction (68), Retail trade (30), Administrative and support and waste management and remediation services (24). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 32784?
According to the FHFA House Price Index, home values in ZIP 32784 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 276%. 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 32784?
In ZIP code 32784, 51.4% of residents aged 25+ have a high school diploma or higher, and 15.9% 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 32784?
The mean commute time for workers in ZIP code 32784 is 32.8 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 32784?
In ZIP code 32784, approximately 84.9% of occupied housing units are owner-occupied and 15.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32784?
The poverty rate in ZIP code 32784 is 11.3% 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 32784's numbers, next.
- See how ZIP 32784 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Umatilla, 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.