ZIP Code 32134 — Lake Kerr CDP, FL Demographics & Data

ZIP code 32134 covers Lake Kerr, FL in Marion County with a population of about 7,400.

At a glance, the area shows median age of 55.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 352, 386; U.S. House district FL-6; the ORLANDO - DAYTONA BCH - MELBRN media market.

Lake Kerr, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 32134 is about $46,429 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.2%; unemployment rate near 14.3%; 11.4% of adults with a bachelor’s degree or higher (about 22.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 16.7% of workers reporting work-from-home (about 1.5 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 $145,500 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $535 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 90.1% (about 24.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32134 in Lake Kerr, FL, a household would need roughly $40,000 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 $935. That sits below the local median household income ($46,429), 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 Lake Kerr CDP, FL as Relatively High (composite score 94.7), which is among the highest nationally. The strongest component scores on US5 are hurricane (97.8) and wildfire (96.8). 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 Lake Kerr CDP, FL show little to no average snow and around 55.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 331 for ZIP 32134 (Lake Kerr 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.