ZIP Code 32003 — Fleming Island CDP, FL Demographics & Data

ZIP code 32003 covers Fleming Island, FL in Clay County with a population of about 29,351.

At a glance, the area shows median age of 47.7 versus a U.S. median of about 38.9.

It sits in telephone area code 904; U.S. House district FL-4; the JACKSONVILLE media market.

Fleming Island, FL reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.3%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 32003 is about $119,046 — about 58% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 1.8%; 47.9% of adults with a bachelor’s degree or higher (about 14.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; about 18.7% of workers reporting work-from-home (about 3.5 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $387,400 — about 11% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,740 (about 50% above the U.S. median rent ($1,163)), and owner-occupancy near 86.7% (about 21.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32003 in Fleming Island, FL, a household would need roughly $107,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,489. That sits below the local median household income ($119,046), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fleming Island CDP, FL as Relatively Moderate (composite score 81.1), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (89.8) and flood (85.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fleming Island CDP, FL show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,314 for ZIP 32003 (Fleming Island CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.