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Orange County · Florida

ZIP code 32812

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 32812 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
34,454

ZCTA residents

Median income
$74,245

Household, past 12 months

Median home
$342,800

Owner-occupied value

Sales tax
6.5%

Combined state + local

Quick answer

ZIP 32812 sits in Orange County, Florida and is home to 34,454 people. Median household income is $74,245, the median home is worth $342,800 and median gross rent is $1,561. 61.5% of households own their home, and purchases are taxed at 6.5% combined.

County
Orange County

FIPS 12095

State
Florida (FL)

1,013 ZIPs covered

Area codes
321

NANPA codes serving this area

Metro area
Orlando

Rate jurisdiction used for tax

The numbers for 32812

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
34,454ZIP 32812 residents
Median household income
$74,245Past 12 months, inflation adjusted
Median home value
$342,800Owner-occupied units
Median gross rent
$1,561Rent plus utilities, monthly
Median age
37.8 yrsAll residents
Homeownership rate
61.5%Owner-occupied households

ZIP 32812 in context

How this area compares with national benchmarks.

ZIP 32812 is a small city in Orange County, Florida, with 34,454 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #213 of 1,013 ranked by population — larger than 79% of them. The median age here is 37.8 years against 39.1 nationally, a slightly younger 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 32812 earn a median of $74,245 a year, 5.5% below the national figure of $78,538. 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 14.4% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 32812 is valued at $342,800, 13% above the national figure, while median gross rent runs $1,561 a month, 11% above the national figure, or roughly $18,732 across a full year. A household on the local median income would put about 25.2% 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 4.6×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 61.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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.

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.

Reading ZIP 32812 in context

How 32812 sits inside Orange County and Florida.

ZIP 32812 is tabulated inside Orange County, Florida, one of 45 ZIP areas the Census publishes for that county and 1,013 across Florida. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. 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 32812 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 32812 reports a median household income of $74,245, 12% below the $84,832 county median, and 6% above the $69,820 typical FL ZIP. Owner-occupied homes are valued at a median of $342,800, 3% below the county figure and 16% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,561 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 32812 carries 6.5% at the register, assembled from the Orlando jurisdiction stack: the Florida state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 32812 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

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 32812 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.

Sales tax in 32812

What a purchase inside this ZIP costs at checkout.

Rate applied
6.5%Orlando jurisdiction stack
Tax on $100
$7Rounded to the dollar
Tax on $1,000
$65Before any exemptions

This ZIP falls inside the Orlando rate area, so state, county, city and district levies are published here as a full stack.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
25%Median rent ÷ median income
Price-to-income
4.6×Home value ÷ household income
Est. mortgage
$1,779/mo20% down, 30-yr at 6.75%
Poverty rate
14.4%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 32812 compares

ZIP 32812 against the median ZIP in Orange County and across Florida.

MeasureZIP 32812County medianState medianvs state
Median household income$74,245$84,832$69,820+6%
Median home value$342,800$352,900$295,700+16%
Median gross rent$1,561$1,762$1,494+4%
Population34,45428,39918,904+82%

Medians are computed across the 45 ZIP areas in Orange County and the 1013 ZIP areas in Florida.

Statewide rank

Where this ZIP places among all 1013 Florida ZIP areas.

Income

richer than 58% of 948 state ZIPs

#400
Home value

above 62% of 935 state ZIPs

#357
Population

larger than 79% of 1,013 state ZIPs

#213

Comparable ZIP codes

Florida ZIP areas with almost the same household income.

ZIPCountyIncomeHome valueRent
32087Baker County$74,286$243,900$835
34221Manatee County$74,314$298,200$1,459
33455Martin County$74,149$395,600$1,193
33773Pinellas County$74,115$280,600$1,567
32094Suwannee County$74,423$181,300$885
32504Escambia County$74,067$242,400$1,257

Nearby ZIP codes

Other ZIP codes filed under Orange County.

Adjacent ZIP Codes

Other ZIP codes in Orange County, Florida.

ZIP 32812 questions

Common questions about this ZIP code.

Where is ZIP code 32812?
ZIP 32812 lies mostly in Orange County, Florida. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 32812?
Purchases are taxed at 6.5% combined, built from the Orlando jurisdiction stack.
Is 32812 expensive to live in?
Median rent runs $1,561 a month, about 25% of median household income, and the median home is worth $342,800 — +16% against the typical Florida ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 32812, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.