32131 ZIP Code — East Palatka, FL

Putnam County, Florida

ZIP code 32131 is located in East Palatka, Florida, within Putnam County. It covers approximately 35.80 square miles and serves a population of 4,381 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 386.

About ZIP code 32131

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 $217,600. Owner-occupancy is high at 79%, well above the national average.

The gap between median ($60,850) and mean household income suggests income inequality — a small number of higher earners pull the average up. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is natural resources, construction, and trades, with construction as the leading industry. The average commute of 34 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks. 19% of residents lack health insurance, above the national average.

Overall, ZIP code 32131 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,381

population

35.80

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32131 ZIP code map

Cities in ZIP code 32131

Below are the cities the US Postal Service accepts for ZIP code 32131. Using any city not on this list may result in mail delivery delays.

City	Status
East Palatka	Preferred

Nearby ZIP codes

32177 Palatka (6.8 mi) 32187 San Mateo (8 mi) 32189 Satsuma (9.9 mi) 32145 Hastings (10.3 mi) 32033 Elkton (10.8 mi) 32181 Pomona Park (11.9 mi) 32181 Pomona Park (11.9 mi) 32148 Interlachen (15.4 mi) 32193 Welaka (15.7 mi) 32193 Welaka (15.7 mi) 32193 Welaka (15.7 mi) 32092 Saint Augustine (16.1 mi)

Demographics updated 05/2026

Population
Total population	4,381
Population density	122 / sq mi
State FIPS	12
County FIPS	107

Geography
Land area	35.80 sq mi
Water area	10.28 sq mi
Latitude	29.6817
Longitude	-81.5797
Timezone	Eastern (ET)
Area code	386

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.0%	60.0%	43.4%
$50k – $100k	26.9%	27.2%	30.8%
$100k – $200k	15.1%	10.9%	19.3%
Over $200k	8.1%	1.9%	6.4%

Demographics & statistics

4,381

Population

122

People per sq mi

46.7

Median age

$60,850

Median household income

$38,894

Per capita income

$217,600

Median home value

$957

Median monthly rent

78.5%

Home ownership

15.7%

Poverty rate

4.3%

Unemployment

1,713

Housing units

17.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

123

5–9

105

10–14

15–19

20–24

477

25–34

328

265

35–44

182

243

45–54

167

166

55–59

114

205

60–64

142

555

65–74

382

157

75–84

108

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	675	15.4%
18 and over	3,706	84.6%
65 and over	1,259	28.7%
Median age	46.7 years

Race & ethnicity

White 72.7%

Black or African American 16.4%

Two or more races 5.7%

Hispanic or Latino 3.8%

Other race 1.2%

Asian 0.2%

Group	Count	%
White	3,310	72.7%
Black or African American	746	16.4%
Two or more races	260	5.7%
Hispanic or Latino	175	3.8%
Other race	56	1.2%
Asian	9	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.0%	60.0%	43.4%
$50k – $100k	26.9%	27.2%	30.8%
$100k – $200k	15.1%	10.9%	19.3%
Over $200k	8.1%	1.9%	6.4%

Under $10k 8.3%

$10k–$15k 2.6%

$15k–$25k 4.8%

$25k–$35k 9.3%

$35k–$50k 17.7%

$50k–$75k 19.1%

$75k–$100k 9.6%

$100k–$150k 10.9%

$150k–$200k 7.4%

$200k+ 10.3%

Range	% of households
Under $10k	8.3%
$10k–$15k	2.6%
$15k–$25k	4.8%
$25k–$35k	9.3%
$35k–$50k	17.7%
$50k–$75k	19.1%
$75k–$100k	9.6%
$100k–$150k	10.9%
$150k–$200k	7.4%
$200k+	10.3%
Median income	$60,850

Housing

Home values

Under $50k 9.2%

$50k–$100k 7.6%

$100k–$150k 17.4%

$150k–$200k 11.4%

$200k–$300k 16.0%

$300k–$500k 20.8%

$500k–$1M 9.6%

$1M+ 8.0%

Housing overview

Metric	Value
Median home value	$217,600
Median rent / month	$957
Owner occupied	78.5%
Renter occupied	21.5%
Vacant	16.9%
Single-family detached	64.7%
Large apartment buildings	1.0%
Mobile homes	30.6%
Median rooms	5.8
Avg household size (owned)	2.11

Year built

Era	%
2020 or later	0.7%
2010–2019	14.0%
2000–2009	8.2%
1990–1999	15.3%
1980–1989	26.1%
1970–1979	12.0%
1960–1969	8.9%
1950–1959	6.1%
1940–1949	3.0%
1939 or earlier	5.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.7%
2 bedrooms	32.9%
3 bedrooms	46.9%
4 bedrooms	13.6%
5+ bedrooms	0.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.3%
1 vehicle	30.5%
2 vehicles	37.1%
3 or more	29.0%

Heating fuel

Fuel type	%
Utility gas	6.6%
Electricity	88.5%
Propane / LP gas	3.1%
Fuel oil	0.6%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	795	45.9%
Cohabiting couple	245	14.1%
Male householder, no spouse	341	19.7%
Female householder, no spouse	351	20.3%
Households with children under 18	325	18.8%
Households with seniors (65+)	820	47.3%
Average household size	2.26

Marital status

Status	Male	Female
Never married	42.0%	15.6%
Married	38.8%	50.6%
Separated	0.7%	2.3%
Widowed	1.8%	13.4%
Divorced	16.6%	18.1%

Education

Less than 9th grade 3.3%

Some HS, no diploma 14.7%

HS graduate 36.9%

Some college, no degree 16.1%

Associate's degree 11.9%

Bachelor's degree 11.8%

Graduate / professional 5.2%

Metric	%
HS diploma or higher	82.0%
Bachelor's or higher	17.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	69	10.2%
Kindergarten	0	0.0%
Elementary school	313	46.2%
High school	219	32.3%
College / grad school	76	11.2%

Employment

Industry of employment

Construction 22.8%

Education & healthcare 14.0%

Retail trade 12.1%

Agriculture & mining 8.9%

Transportation & utilities 7.8%

Arts, food & hospitality 7.8%

Finance & real estate 6.8%

Public administration 6.6%

Professional & management 4.0%

Manufacturing 3.4%

Other services 3.2%

Wholesale trade 1.8%

Information 0.8%

Occupation

Category	%
Management, business & arts	27.6%
Service	9.4%
Sales & office	21.7%
Natural resources & construction	28.5%
Production & transportation	12.8%

Employment type

Type	%
Private sector	75.8%
Government	10.5%
Self-employed	13.1%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	76.2%
Carpool	4.6%
Public transit	0.0%
Walk	0.0%
Work from home	13.4%
Other means	5.9%
Avg commute (minutes)	33.5

Poverty

All people 15.7%

Under 18 years 40.9%

18 and over 10.7%

Married-couple families 6.0%

Female-led households 58.0%

Income support

Source	% of households
Social Security	50.7%
Retirement income	36.0%
Supplemental Security	6.6%
Cash public assistance	3.6%
Food stamps / SNAP	13.0%

Health indicators

Condition	%
Obesity	35.2%
High blood pressure	38.4%
High cholesterol	35.9%
Diabetes	13.2%
Heart disease	8.6%
Stroke	4.5%
Asthma	9.2%
Arthritis	27.4%
Kidney disease	3.8%
Pulmonary disease	10.9%
Cancer	7.2%

Behavior / access	%
Smoking	24.4%
Binge drinking	15.6%
No physical activity	31.3%
Less than 7 hrs sleep	37.8%
Depression	19.1%
Fair or poor health	22.0%
Poor mental health	16.4%
Poor physical health	14.5%
No health insurance	25.0%
Visited doctor (checkup)	75.3%
Visited dentist	47.9%
Cholesterol screening	89.3%
Teeth loss	22.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	339	9.1%

Disability	%
Any disability	12.8%
Under 18	4.4%
18–64 years	8.8%
65 and over	23.5%

Health insurance coverage

Type	%
Private insurance	44.8%
Public insurance	52.2%
No insurance	19.0%
Uninsured under 19	7.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,258	97.2%
Spanish	4	0.1%
Other Indo-European	4	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,344	99.2%
Born in same state	4,326	98.7%
Born in different state	2,884	65.8%
Foreign born	18	0.4%
Naturalized citizen	37	0.8%
Not a US citizen	37	100.0%

Ancestry

Ancestry	Count	%
French	1,140	26%
Arab	369	8.4%
Italian	200	4.6%

Ancestry	Count	%
English	82	1.9%
Polish	41	0.9%
German	17	0.4%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	94.4%

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

Frequently asked questions about ZIP code 32131

What city is ZIP code 32131 in?

ZIP code 32131 is primarily assigned to East Palatka, Florida.

What county is ZIP code 32131 in?

ZIP code 32131 falls within Putnam County, Florida.

Does ZIP code 32131 have an older population?

29% of residents in ZIP code 32131 are 65 or older, above the national average of ~17%.

Does ZIP code 32131 have a large retiree population?

51% of households in ZIP code 32131 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 32131?

16% of residents in ZIP code 32131 live below the poverty line, above the national average.

Does ZIP code 32131 have a large veteran population?

9% of civilians in ZIP code 32131 are veterans, above the national average of ~7%.

What timezone is ZIP code 32131 in?

ZIP code 32131 observes the EST timezone.