ZIP code 32145

ZIP 32145 is a mid-size town in St. Johns County, Florida, with 5,750 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #782 of 1,013 ranked by population — larger than 22% of them. The median age here is 39.2 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 ZIP 32145 earn a median of $81,931 a year, 4.3% above the national figure of $78,538. 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 14.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 32145 is valued at $194,400, 35.9% below the national figure, while median gross rent runs $1,079 a month, 23.3% below the national figure, or roughly $12,948 across a full year. A household on the local median income would put about 15.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 78.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. 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.

Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

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.

ZIP 32145 is tabulated inside St. Johns County, Florida, one of 10 ZIP areas the Census publishes for that county and 1,013 across Florida. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 32145 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 32145 reports a median household income of $81,931, 23% below the $106,928 county median, and 17% above the $69,820 typical FL ZIP. Owner-occupied homes are valued at a median of $194,400, 59% below the county figure and 34% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,079 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Florida charges 6% statewide, and local governments overlapping 32145 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 32145 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.