ZIP Code 33428 — Watergate CDP, FL Demographics & Data

ZIP code 33428 covers Watergate, FL in Palm Beach County with a population of about 46,228.

At a glance, the area shows median age of 40.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 561, 728; U.S. House district FL-23; the WEST PALM BEACH - FT. PIERCE media market.

Watergate, 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 33428 is about $85,939 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.6%; unemployment rate near 3.7%; 39.8% of adults with a bachelor’s degree or higher (about 6.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Healthcare; about 18.4% of workers reporting work-from-home (about 3.2 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 $433,300 — about 24% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,086 (about 79% above the U.S. median rent ($1,163)), and owner-occupancy near 67.0% (about 1.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33428 in Watergate, FL, a household would need roughly $119,000 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 $2,783. That is about 38% above the local median household income ($85,939), so the median earner would likely stretch or need a larger down payment. 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 Watergate CDP, FL as Relatively High (composite score 99.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.9) and flood (98.9). 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 Watergate CDP, FL show little to no average snow.

IRS migration statistics show a net inflow of about 2,069 for ZIP 33428 (Watergate 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.