On Top of the World, FL population, income and ZIP codes

On Top of the World CDP is a mid-size town in Florida, with 13,772 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #274 of 955 ranked by population — larger than 71% of them. The median age here is 72.3 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 On Top of the World CDP earn a median of $57,765 a year, 26.4% below the national figure of $78,538 and 16% below 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 5.8% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in On Top of the World CDP is valued at $275,000, 9.4% below the national figure and 10% below the $305,300 peer median, while median gross rent runs $1,162 a month, 17.4% below the national figure, or roughly $13,944 across a full year. A household on the local median income would put about 24.1% 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 4.8×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 91.4% 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. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 72.3 puts On Top of the World 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.