ZIP Code 32746 — Lake Mary city, FL Demographics & Data

ZIP code 32746 covers Lake Mary, FL in Seminole County with a population of about 45,970.

At a glance, the area shows median age of 43.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 321, 407, 689; U.S. House district FL-7; the ORLANDO - DAYTONA BCH - MELBRN media market.

Lake Mary, 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 32746 is about $111,534 — about 48% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 2.6%; 53.3% of adults with a bachelor’s degree or higher (about 19.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 25.4% of workers reporting work-from-home (about 10.2 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 $420,200 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,739 (about 50% above the U.S. median rent ($1,163)), and owner-occupancy near 65.0% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32746 in Lake Mary, FL, a household would need roughly $116,000 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 $2,699. That is roughly in line with the local median household income ($111,534). 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 Mary city, FL as Relatively Moderate (composite score 91.4), which is among the highest nationally. The strongest component scores on US5 are hurricane (94.7) and flood (92.7). 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 Mary city, FL show little to no average snow and around 54.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,057 for ZIP 32746 (Lake Mary 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.