Lochmoor Waterway Estates, FL population, income and ZIP codes

Lochmoor Waterway Estates CDP is a mid-size town in Florida, with 5,791 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #441 of 955 ranked by population — larger than 53% of them. The median age here is 55.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Lochmoor Waterway Estates CDP earn a median of $87,606 a year, 11.5% above the national figure of $78,538 and 28% above the $68,617 median for the 775 Florida cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 6.5% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Lochmoor Waterway Estates CDP is valued at $335,600, 10.6% above the national figure and 10% above the $305,300 peer median, while median gross rent runs $1,898 a month, 35% above the national figure, or roughly $22,776 across a full year. A household on the local median income would put about 26% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 87.7% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 55.4 puts Lochmoor Waterway Estates 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.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.