Samsula-Spruce Creek, FL population, income and ZIP codes

Samsula-Spruce Creek CDP is a mid-size town in Florida, with 5,174 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #471 of 955 ranked by population — larger than 50% of them. The median age here is 59 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 Samsula-Spruce Creek CDP earn a median of $90,575 a year, 15.3% above the national figure of $78,538 and 32% above the $68,617 median for the 775 Florida cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 5.5% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Samsula-Spruce Creek CDP is valued at $384,100, 26.6% above the national figure and 26% above the $305,300 peer median, while median gross rent runs $2,440 a month, 73.5% above the national figure, or roughly $29,280 across a full year. A household on the local median income would put about 32.3% 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 4.2×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 87.2% 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. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 59 puts Samsula-Spruce 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.