ZIP Code 34786 — Lake Butler CDP, FL Demographics & Data

ZIP code 34786 covers Lake Butler, FL in Orange County with a population of about 43,700.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area codes 321, 407, 689; U.S. House district FL-11; the ORLANDO - DAYTONA BCH - MELBRN media market.

Lake Butler, 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 34786 is about $131,409 — about 75% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 3.5%; 59.4% of adults with a bachelor’s degree or higher (about 25.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Arts and entertainment, and Healthcare; about 23.5% of workers reporting work-from-home (about 8.3 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 $621,300 — about 78% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,045 (about 76% above the U.S. median rent ($1,163)), and owner-occupancy near 73.7% (about 8.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34786 in Lake Butler, FL, a household would need roughly $171,000 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 $3,991. That is about 30% above the local median household income ($131,409), 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 Lake Butler 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 Lake Butler CDP, FL show little to no average snow and around 53.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,956 for ZIP 34786 (Lake Butler 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.