PlainZIP

Windermere, FL · standard

ZIP Code 34786

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

28,092
545/sq mi
$134,214
Median income
$684,400
Median home value
59.9%
Bachelor's or higher

The verdict

Windermere pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 6%
household income, US ZIPs
Top 7%
home value, US ZIPs
545
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34786 against every reporting US ZIP.

ZIP code 34786 is classified by USPS as a standard delivery area and covers roughly 51.6 square miles in Windermere, Orange County, Florida. The area is home to 28,092 residents, producing a population density of 545 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 34786 against Florida and the nation.

On the economic side, the median household income for ZIP 34786 sits at $134,214 (74% above the Florida average), while per-capita income is $73,333. The poverty rate stands at 5.5% and the unemployment rate at 3.1%. On housing, the median home value is $684,400 (82% above the state average) with median rent at $2,318 per month, and 71.5% of occupied units are owner-occupied, a direct signal of whether 34786 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 59.9% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 27 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Orange County, so you can benchmark 34786 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 34786

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 34786.

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 34786, Windermere, 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

28,092

Population

51.6

Area (sq mi)

545

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 34786?

38.9

Median Age

47.4%

Male

52.6%

Female

26.6%

Foreign-Born

White 60.7%
African American 4.3%
Asian 11.4%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 19.8%
Hispanic or Latino 17.0%

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?

$134,214

Median Household Income

+74% vs state

$73,333

Per Capita Income

5.5%

Poverty Rate

3.1%

Unemployment Rate

26.6 min

Mean Commute Time

How ZIP 34786 ranks nationally

Household income vs. every US ZIP code

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

$134,214 Top 6% higher than 94% 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%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $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 69.4%
Bachelor's Degree or Higher 59.9%

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

What does housing look like?

17,389

Total Housing Units

15,026

Occupied Units

2,363

Vacant Units

2.82

Avg Household Size

Occupancy Type

Owner 71.5%
Renter 28.5%

$684,400

Median Home Value

+82% vs state

$2,318

Median Rent

2006

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

+11.2%

YoY Change (2024)

327

HPI Index (2000 = 100)

+227%

Total Change Since 2000

Home values in ZIP 34786 have increased 11.2% over the past year (2024). Since 2000, this ZIP has seen +227% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.6% 199
2021 +10.7% 221
2022 +24.9% 276
2023 +6.6% 294
2024 +11.2% 327

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 1,308 business establishments in ZIP 34786, employing approximately 7,041 people with a combined annual payroll of $325,685,000.

1,308

Businesses

7,041

Employees

$325.7M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 280 21.4%
Real estate and rental and leasing 197 15.1%
Health care and social assistance 117 8.9%
Accommodation and food services 100 7.7%
Administrative and support and waste management and remediation services 97 7.4%
Construction 92 7.0%
Other services (except public administration) 84 6.4%
Retail trade 73 5.6%
Finance and insurance 60 4.6%
Wholesale trade 53 4.0%
Transportation and warehousing 48 3.7%
Arts, entertainment, and recreation 35 2.7%
Educational services 26 2.0%
Information 23 1.8%
Manufacturing 11 0.8%
Management of companies and enterprises 9 0.7%

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 34786 vs 34787 →

ZIP 34786 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 34786 ranks #6 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 34786 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 34786 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
34787 Winter Garden, FL 46,083 4.4 mi
34734 Gotha, FL 3,835 4.3 mi
32836 Orlando, FL 16,647 5.1 mi
32835 Orlando, FL 39,633 5.0 mi
32819 Orlando, FL 24,976 5.4 mi
32830 Orlando, FL 26 7.0 mi
34761 Ocoee, FL 37,500 6.7 mi
32811 Orlando, FL 35,825 7.1 mi
34760 Oakland, FL 875 6.9 mi
32839 Orlando, FL 50,279 9.0 mi

More ZIP Codes in Orange County

32828 standard
Orlando, FL
Pop: 57,881
32822 standard
Orlando, FL
Pop: 53,029
32825 standard
Orlando, FL
Pop: 53,024
32837 standard
Orlando, FL
Pop: 51,219
32839 standard
Orlando, FL
Pop: 50,279
32792 standard
Winter Park, FL
Pop: 46,914

Related Areas

Orange County Windermere, FL Florida

Frequently Asked Questions

What county is ZIP code 34786 in? ▼
ZIP code 34786 (Windermere) is located in Orange County, Florida. Orange County contains multiple ZIP codes, see the full list at /counties/orange-fl.
What is the population of ZIP code 34786? ▼
ZIP code 34786 in Windermere, FL has a population of 28,092 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34786? ▼
The median household income in ZIP 34786 is $134,214, which is 76% above the national average of $76,288.
What is the average home value in ZIP 34786? ▼
The median home value in ZIP 34786 is $684,400, which is 146% above the national average of $278,155.
What is the demographic makeup of ZIP 34786? ▼
The largest racial group in ZIP 34786 is White at 60.7%. Hispanic or Latino residents make up 17.0% of the population.
How many businesses are in ZIP code 34786? ▼
ZIP code 34786 has 1,308 business establishments employing approximately 7,041 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34786? ▼
The top industries by establishment count in ZIP 34786 are: Professional, scientific, and technical services (280), Real estate and rental and leasing (197), Health care and social assistance (117). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 34786? ▼
According to the FHFA House Price Index, home values in ZIP 34786 increased by 11.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 227%. 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 34786? ▼
In ZIP code 34786, 69.4% of residents aged 25+ have a high school diploma or higher, and 59.9% 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 34786? ▼
The mean commute time for workers in ZIP code 34786 is 26.6 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 34786? ▼
In ZIP code 34786, approximately 71.5% of occupied housing units are owner-occupied and 28.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34786? ▼
The poverty rate in ZIP code 34786 is 5.5% 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 Windermere, 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.