Umatilla, FL · standard

ZIP Code 32784

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

11,432
48/sq mi: $72,201
Median income: $272,800
Median home value: 15.9%
Bachelor's or higher

The verdict

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.

ZIP code 32784 is classified by USPS as a standard delivery area and covers roughly 237.7 square miles in Umatilla, Lake County, Florida. The area is home to 11,432 residents, producing a population density of 48 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 32784 against Florida and the nation.

On the economic side, the median household income for ZIP 32784 sits at $72,201 (6% below the Florida average), while per-capita income is $39,519. The poverty rate stands at 11.3% and the unemployment rate at 4.3%. On housing, the median home value is $272,800 (27% below the state average) with median rent at $1,020 per month, and 84.9% of occupied units are owner-occupied, a direct signal of whether 32784 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 15.9% of adults hold a bachelor's degree or higher, the median age is 45.6, and the average commute is 33 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Lake County, so you can benchmark 32784 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 32784

Construction

68
Retail trade

30
Administrative and support and waste management and remediation services

24
Other services (except public administration)

24
Professional, scientific, and technical services

21

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32784, Umatilla, FL · 2023 Accessed 2026-06-13 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

11,432

Population

237.7

Area (sq mi)

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 32784?

45.6

Median Age

51.9%

Male

48.1%

Female

3.0%

Foreign-Born

White 87.4%

African American 1.5%

Asian 0.0%

American Indian or Alaska Native 0.0%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 9.1%

Hispanic or Latino 9.6%

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?

$72,201

Median Household Income

-6% vs state

$39,519

Per Capita Income

11.3%

Poverty Rate

4.3%

Unemployment Rate

32.8 min

Mean Commute Time

How ZIP 32784 ranks nationally

Household income vs. every US ZIP code

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

$72,201 Top 50% higher than 50% of 30,318 US ZIPs

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 51.4%

Bachelor's Degree or Higher 15.9%

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

What does housing look like?

4,959

Total Housing Units

4,094

Occupied Units

865

Vacant Units

2.44

Avg Household Size

Occupancy Type

Owner 84.9%

Renter 15.1%

$272,800

Median Home Value

-27% vs state

$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

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 →

32726

20,029
34788

17,519
32784

11,432
32735

3,903
32702

2,705

What this shows Among its immediate neighbors, ZIP 32784 ranks #3 by population — useful context the national average alone can't give.

32784

$72,201
32735

$68,441
32726

$63,152
34788

$54,147
32702

$50,935

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.

ZIP Code	City	Population	Distance
32735	Grand Island, FL	3,903	5.9 mi
32702	Altoona, FL	2,705	7.3 mi
32726	Eustis, FL	20,029	8.8 mi
34788	Leesburg, FL	17,519	7.7 mi

More ZIP Codes in Lake County

Lake County Umatilla, FL Florida

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.