ZIP Code 32091 — Starke city, FL Demographics & Data

ZIP code 32091 covers Starke, FL in Bradford County with a population of about 16,062.

At a glance, the area shows median age of 39.2 (near the U.S. median).

It sits in telephone area code 904; U.S. House district FL-3; the JACKSONVILLE media market.

Median household income in ZIP 32091 is about $53,522 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.0%; unemployment rate near 6.4%; 15.8% of adults with a bachelor’s degree or higher (about 17.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Retail trade; about 10.7% of workers reporting work-from-home (about 4.5 points below 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 $175,200 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $607 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 63.5% (about 1.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32091 in Starke, FL, a household would need roughly $48,000 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 $1,125. That sits below the local median household income ($53,522), 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 Starke city, FL as Very Low (composite score 36.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (87.6) and wildfire (80.8). 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 Starke city, FL show little to no average snow and around 53.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 719 for ZIP 32091 (Starke city, 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.