ZIP Code 32817 — University CDP, FL Demographics & Data

ZIP code 32817 covers University, FL in Orange County with a population of about 37,894.

At a glance, the area shows median age of 30.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 321, 407, 689; U.S. House district FL-10; the ORLANDO - DAYTONA BCH - MELBRN media market.

University, FL sits in a university / college context (university/college place context). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 32817 is about $78,546 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.2%; unemployment rate near 5.3%; 35.6% of adults with a bachelor’s degree or higher (about 1.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Healthcare; about 13.2% of workers reporting work-from-home (about 2.0 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 $327,800 — about 6% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,508 (about 30% above the U.S. median rent ($1,163)), and owner-occupancy near 56.4% (about 9.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32817 in University, FL, a household would need roughly $90,000 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 $2,106. That is roughly in line with the local median household income ($78,546). 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 University CDP, FL as Relatively High (composite score 98.4), which is among the highest nationally. The strongest component scores on US5 are flood (98.4) and hurricane (98.0). 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 University CDP, FL show little to no average snow and around 51.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,696 for ZIP 32817 (University 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.