32628 ZIP Code — Cross City, FL

Dixie County, Florida

ZIP code 32628 is located in Cross City, Florida, within Dixie County. It covers approximately 88.08 square miles and serves a population of 5,235 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 352.

About ZIP code 32628

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $91,200. Owner-occupancy is high at 79%, well above the national average.

Median household income is $39,835. SNAP benefit usage at 30% of households reflects economic stress in the area. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 19 minutes is near the national average.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (30%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 26%.

Overall, ZIP code 32628 reflects a community defined by a trades-oriented workforce, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

5,235

population

88.08

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32628 ZIP code map

Cities in ZIP code 32628

Below are the cities the US Postal Service accepts for ZIP code 32628. Using any city not on this list may result in mail delivery delays.

City	Status
Cross City	Preferred

Nearby ZIP codes

32680 Old Town (4.1 mi) 32648 Horseshoe Beach (10.2 mi) 32359 Steinhatchee (13.2 mi) 32619 Bell (17.7 mi) 32693 Trenton (18.2 mi) 32626 Chiefland (19.7 mi)

Demographics updated 05/2026

Population
Total population	5,235
Population density	59 / sq mi
State FIPS	12
County FIPS	029

Geography
Land area	88.08 sq mi
Water area	0.49 sq mi
Latitude	29.6290
Longitude	-83.1137
Timezone	Eastern (ET)
Area code	352

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.4%	64.6%	43.4%
$50k – $100k	22.2%	23.3%	30.8%
$100k – $200k	15.6%	10.1%	19.3%
Over $200k	1.8%	2.0%	6.4%

Demographics & statistics

5,235

Population

People per sq mi

41.0

Median age

$39,835

Median household income

$17,029

Per capita income

$91,200

Median home value

$814

Median monthly rent

78.8%

Home ownership

14.6%

Poverty rate

2.4%

Unemployment

1,645

Housing units

9.4%

Bachelor's or higher

Age distribution

Male Female

114

Under 5

275

5–9

138

143

10–14

182

15–19

233

20–24

118

514

25–34

259

577

35–44

290

416

45–54

210

199

55–59

100

164

60–64

400

65–74

201

165

75–84

100

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	931	17.8%
18 and over	4,304	82.2%
65 and over	999	19.1%
Median age	41.0 years

Race & ethnicity

White 68.9%

Black or African American 20.7%

Two or more races 7.2%

Hispanic or Latino 1.9%

Asian 1%

American Indian / Alaska Native 0.3%

Other race 0.1%

Group	Count	%
White	3,673	68.9%
Black or African American	1,106	20.7%
Two or more races	386	7.2%
Hispanic or Latino	99	1.9%
Asian	51	1%
American Indian / Alaska Native	15	0.3%
Other race	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.4%	64.6%	43.4%
$50k – $100k	22.2%	23.3%	30.8%
$100k – $200k	15.6%	10.1%	19.3%
Over $200k	1.8%	2.0%	6.4%

Under $10k 2.4%

$10k–$15k 10.1%

$15k–$25k 13.0%

$25k–$35k 17.4%

$35k–$50k 12.7%

$50k–$75k 11.7%

$75k–$100k 11.8%

$100k–$150k 13.5%

$150k–$200k 6.2%

$200k+ 1.1%

Range	% of households
Under $10k	2.4%
$10k–$15k	10.1%
$15k–$25k	13.0%
$25k–$35k	17.4%
$35k–$50k	12.7%
$50k–$75k	11.7%
$75k–$100k	11.8%
$100k–$150k	13.5%
$150k–$200k	6.2%
$200k+	1.1%
Median income	$39,835

Housing

Home values

Under $50k 23.6%

$50k–$100k 38.5%

$100k–$150k 4.4%

$150k–$200k 16.2%

$200k–$300k 10.5%

$300k–$500k 5.5%

$500k–$1M 1.3%

Housing overview

Metric	Value
Median home value	$91,200
Median rent / month	$814
Owner occupied	78.8%
Renter occupied	21.2%
Vacant	19.3%
Single-family detached	58.3%
Large apartment buildings	0.0%
Mobile homes	35.9%
Median rooms	5.2
Avg household size (owned)	2.30

Year built

Era	%
2020 or later	0.6%
2010–2019	3.2%
2000–2009	13.0%
1990–1999	18.0%
1980–1989	20.3%
1970–1979	16.9%
1960–1969	10.9%
1950–1959	8.0%
1940–1949	4.4%
1939 or earlier	4.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	5.9%
2 bedrooms	26.5%
3 bedrooms	49.4%
4 bedrooms	14.0%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	5.5%
1 vehicle	35.4%
2 vehicles	34.9%
3 or more	24.2%

Heating fuel

Fuel type	%
Electricity	94.2%
Propane / LP gas	0.6%
No fuel used	5.2%

Households & families

Household type	Count	%
Married-couple family	772	48.2%
Cohabiting couple	161	10.0%
Male householder, no spouse	304	19.0%
Female householder, no spouse	365	22.8%
Households with children under 18	496	31.0%
Households with seniors (65+)	627	39.1%
Average household size	2.31

Marital status

Status	Male	Female
Never married	47.3%	16.5%
Married	27.1%	52.9%
Separated	2.0%	5.1%
Widowed	5.6%	11.1%
Divorced	17.9%	14.3%

Education

Less than 9th grade 4.1%

Some HS, no diploma 16.3%

HS graduate 47.5%

Some college, no degree 15.4%

Associate's degree 7.2%

Bachelor's degree 8.1%

Graduate / professional 1.3%

Metric	%
HS diploma or higher	79.6%
Bachelor's or higher	9.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	4.9%
Kindergarten	103	9.9%
Elementary school	484	46.4%
High school	251	24.1%
College / grad school	153	14.7%

Employment

Industry of employment

Retail trade 23.9%

Public administration 15.8%

Education & healthcare 14.8%

Professional & management 11.8%

Manufacturing 7.9%

Agriculture & mining 6.2%

Arts, food & hospitality 6.2%

Other services 5.1%

Finance & real estate 3.5%

Construction 3.4%

Transportation & utilities 1.5%

Occupation

Category	%
Management, business & arts	26.6%
Service	23.0%
Sales & office	17.6%
Natural resources & construction	13.1%
Production & transportation	19.7%

Employment type

Type	%
Private sector	69.4%
Government	22.4%
Self-employed	8.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	67.7%
Carpool	21.6%
Public transit	0.0%
Walk	1.8%
Work from home	7.5%
Other means	1.3%
Avg commute (minutes)	18.7

Poverty

All people 14.6%

Under 18 years 14.1%

18 and over 14.8%

Married-couple families 7.9%

Female-led households 19.6%

Income support

Source	% of households
Social Security	43.1%
Retirement income	24.9%
Supplemental Security	11.8%
Cash public assistance	1.5%
Food stamps / SNAP	30.1%

Health indicators

Condition	%
Obesity	41.4%
High blood pressure	38.0%
High cholesterol	33.6%
Diabetes	12.9%
Heart disease	7.7%
Stroke	4.2%
Asthma	9.8%
Arthritis	24.9%
Kidney disease	3.4%
Pulmonary disease	11.1%
Cancer	5.5%

Behavior / access	%
Smoking	29.6%
Binge drinking	16.8%
No physical activity	34.8%
Less than 7 hrs sleep	40.9%
Depression	21.3%
Fair or poor health	23.9%
Poor mental health	18.2%
Poor physical health	15.3%
No health insurance	28.6%
Visited doctor (checkup)	72.0%
Visited dentist	39.9%
Cholesterol screening	85.9%
Teeth loss	25.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	243	5.6%

Disability	%
Any disability	25.8%
Under 18	8.8%
18–64 years	17.6%
65 and over	64.1%

Health insurance coverage

Type	%
Private insurance	58.4%
Public insurance	45.0%
No insurance	11.5%
Uninsured under 19	5.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,063	96.7%
Spanish	165	3.3%
Other Indo-European	98	1.9%
Asian & Pacific Islander	62	1.2%
Other languages	5	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,068	96.8%
Born in same state	5,009	95.7%
Born in different state	3,677	70.2%
Foreign born	59	1.1%
Naturalized citizen	167	3.2%
Not a US citizen	58	34.7%

Ancestry

Ancestry	Count	%
Italian	588	11.2%
Arab	390	7.4%
French	388	7.4%

Ancestry	Count	%
Irish	9	0.2%
Dutch	9	0.2%
Norwegian	5	0.1%

Technology access

Metric	% of households
Computer access	30.6%
Internet access	85.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32628

What city is ZIP code 32628 in?

ZIP code 32628 is primarily assigned to Cross City, Florida.

What county is ZIP code 32628 in?

ZIP code 32628 falls within Dixie County, Florida.

How educated is the population of ZIP code 32628?

9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 32628 have a large retiree population?

43% of households in ZIP code 32628 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 32628?

The median home value in ZIP code 32628 is $91,200.

What is the median household income in ZIP code 32628?

The median household income in ZIP code 32628 is $39,835, below the national median of ~$75,000.

What timezone is ZIP code 32628 in?

ZIP code 32628 observes the EST timezone.