Bear Creek, FL population, income and ZIP codes

Bear Creek CDP is a small town in Florida, with 2,091 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #674 of 955 ranked by population — larger than 29% of them. The median age here is 53.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Bear Creek CDP earn a median of $66,780 a year, 15% below the national figure of $78,538 and 3% below the $68,617 median for the 775 Florida cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 15.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Bear Creek CDP is valued at $436,300, 43.8% above the national figure and 43% above the $305,300 peer median, while median gross rent runs $1,777 a month, 26.4% above the national figure, or roughly $21,324 across a full year. A household on the local median income would put about 31.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 6.5×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 64.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 6.5× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 53.7 puts Bear Creek CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.