ZIP Code 33812 — Highland City CDP, FL Demographics & Data

ZIP code 33812 covers Highland City, FL in Polk County with a population of about 14,836.

At a glance, the area shows median age of 38.9 (near the U.S. median).

It sits in telephone area code 863; U.S. House district FL-18; the TAMPA - ST. PETE (SARASOTA) media market.

Median household income in ZIP 33812 is about $100,569 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 2.1%; 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, Healthcare, and Education; about 11.8% of workers reporting work-from-home (about 3.4 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 $335,000 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,233 (about 6% above the U.S. median rent ($1,163)), and owner-occupancy near 78.9% (about 13.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33812 in Highland City, FL, a household would need roughly $92,000 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 $2,152. That is roughly in line with the local median household income ($100,569). 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 Highland City CDP, FL as Relatively High (composite score 96.5), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.5) and wildfire (97.0). 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 Highland City CDP, FL show little to no average snow and around 50.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 664 for ZIP 33812 (Highland City 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.