32134 ZIP Code — Fort Mc Coy, FL

Marion County, Florida

ZIP code 32134 is located in Fort Mc Coy, Florida, within Marion County. It covers approximately 267.76 square miles and serves a population of 7,076 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 352.

About ZIP code 32134

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 $108,300. Owner-occupancy is high at 90%, well above the national average.

Median household income is $42,788. Poverty affects 20% of residents, above the national average. SNAP benefit usage at 19% of households reflects economic stress in the area. 61% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 44 minutes suggests many residents work outside the immediate area.

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 (25%) compared to national benchmarks. 19% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%; and disability rates above the national average at 23%.

Overall, ZIP code 32134 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

7,076

population

267.76

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32134 ZIP code map

Cities in ZIP code 32134

Below are the cities the US Postal Service accepts for ZIP code 32134. Using any city not on this list may result in mail delivery delays.

City	Status
Fort Mc Coy	Acceptable
Fort Mc Coy	Preferred

Nearby ZIP codes

34488 Silver Springs (9.6 mi) 34488 Silver Springs (9.6 mi) 32617 Anthony (13.3 mi) 32617 Anthony (13.3 mi) 32193 Welaka (15.1 mi) 32193 Welaka (15.1 mi) 32193 Welaka (15.1 mi) 32193 Welaka (15.1 mi) 32193 Welaka (15.1 mi) 32193 Welaka (15.1 mi) 32139 Georgetown (15.4 mi) 32139 Georgetown (15.4 mi)

Demographics updated 05/2026

Population
Total population	7,076
Population density	26 / sq mi
State FIPS	12
County FIPS	083

Geography
Land area	267.76 sq mi
Water area	30.55 sq mi
Latitude	29.3443
Longitude	-81.8597
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	60.5%	53.7%	43.4%
$50k – $100k	30.8%	30.5%	30.8%
$100k – $200k	6.4%	12.7%	19.3%
Over $200k	2.3%	3.0%	6.4%

Demographics & statistics

7,076

Population

People per sq mi

57.6

Median age

$42,788

Median household income

$26,932

Per capita income

$108,300

Median home value

$664

Median monthly rent

89.8%

Home ownership

20.2%

Poverty rate

9.6%

Unemployment

5,384

Housing units

9.2%

Bachelor's or higher

Age distribution

Male Female

102

Under 5

104

5–9

144

10–14

138

190

15–19

183

154

20–24

147

304

25–34

292

273

35–44

261

433

45–54

415

336

55–59

323

398

60–64

381

687

65–74

659

420

75–84

402

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	873	12.3%
18 and over	6,203	87.7%
65 and over	2,302	32.5%
Median age	57.6 years

Race & ethnicity

White 92.9%

Two or more races 3.6%

Hispanic or Latino 1.5%

Asian 1%

Black or African American 0.8%

American Indian / Alaska Native 0.2%

Group	Count	%
White	6,675	92.9%
Two or more races	261	3.6%
Hispanic or Latino	107	1.5%
Asian	71	1%
Black or African American	57	0.8%
American Indian / Alaska Native	12	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.5%	53.7%	43.4%
$50k – $100k	30.8%	30.5%	30.8%
$100k – $200k	6.4%	12.7%	19.3%
Over $200k	2.3%	3.0%	6.4%

Under $10k 8.0%

$10k–$15k 7.7%

$15k–$25k 10.7%

$25k–$35k 15.6%

$35k–$50k 13.8%

$50k–$75k 13.6%

$75k–$100k 16.0%

$100k–$150k 9.3%

$150k–$200k 1.0%

$200k+ 4.2%

Range	% of households
Under $10k	8.0%
$10k–$15k	7.7%
$15k–$25k	10.7%
$25k–$35k	15.6%
$35k–$50k	13.8%
$50k–$75k	13.6%
$75k–$100k	16.0%
$100k–$150k	9.3%
$150k–$200k	1.0%
$200k+	4.2%
Median income	$42,788

Housing

Home values

Under $50k 23.3%

$50k–$100k 23.6%

$100k–$150k 12.7%

$150k–$200k 9.7%

$200k–$300k 12.8%

$300k–$500k 12.5%

$500k–$1M 3.8%

$1M+ 1.5%

Housing overview

Metric	Value
Median home value	$108,300
Median rent / month	$664
Owner occupied	89.8%
Renter occupied	10.2%
Vacant	43.9%
Single-family detached	47.0%
Large apartment buildings	0.6%
Mobile homes	52.3%
Median rooms	4.8
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	1.1%
2010–2019	5.2%
2000–2009	10.7%
1990–1999	9.9%
1980–1989	23.6%
1970–1979	18.4%
1960–1969	20.6%
1950–1959	7.4%
1940–1949	2.2%
1939 or earlier	1.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	8.8%
2 bedrooms	37.9%
3 bedrooms	43.9%
4 bedrooms	7.0%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.8%
1 vehicle	32.7%
2 vehicles	41.5%
3 or more	23.9%

Heating fuel

Fuel type	%
Utility gas	0.4%
Electricity	93.6%
Propane / LP gas	4.7%
Wood	0.9%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	1,708	53.3%
Cohabiting couple	280	8.7%
Male householder, no spouse	701	21.9%
Female householder, no spouse	513	16.0%
Households with children under 18	505	15.8%
Households with seniors (65+)	1,586	49.5%
Average household size	2.21

Marital status

Status	Male	Female
Never married	25.6%	20.6%
Married	52.7%	58.4%
Separated	0.8%	0.7%
Widowed	7.8%	10.3%
Divorced	13.2%	10.0%

Education

Less than 9th grade 4.8%

Some HS, no diploma 10.7%

HS graduate 45.2%

Some college, no degree 23.9%

Associate's degree 6.2%

Bachelor's degree 6.5%

Graduate / professional 2.7%

Metric	%
HS diploma or higher	84.5%
Bachelor's or higher	9.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	9	1.1%
Kindergarten	76	9.0%
Elementary school	374	44.5%
High school	306	36.4%
College / grad school	75	8.9%

Employment

Industry of employment

Education & healthcare 19.4%

Retail trade 15.7%

Construction 12.4%

Professional & management 11.8%

Arts, food & hospitality 10.8%

Agriculture & mining 9.3%

Manufacturing 6.5%

Finance & real estate 3.9%

Transportation & utilities 2.4%

Wholesale trade 2.3%

Public administration 2.3%

Other services 2.0%

Information 1.1%

Occupation

Category	%
Management, business & arts	29.2%
Service	20.5%
Sales & office	20.7%
Natural resources & construction	11.8%
Production & transportation	17.9%

Employment type

Type	%
Private sector	76.5%
Government	10.4%
Self-employed	13.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	61.7%
Carpool	18.2%
Public transit	0.0%
Walk	0.4%
Work from home	19.2%
Other means	0.5%
Avg commute (minutes)	44.3

Poverty

All people 20.2%

Under 18 years 19.8%

18 and over 20.2%

Married-couple families 11.7%

Female-led households 37.5%

Income support

Source	% of households
Social Security	60.9%
Retirement income	31.6%
Supplemental Security	3.5%
Cash public assistance	2.5%
Food stamps / SNAP	18.8%

Health indicators

Condition	%
Obesity	38.7%
High blood pressure	44.8%
High cholesterol	40.5%
Diabetes	14.8%
Heart disease	11.3%
Stroke	5.4%
Asthma	9.7%
Arthritis	35.0%
Kidney disease	4.5%
Pulmonary disease	14.7%
Cancer	9.0%

Behavior / access	%
Smoking	25.3%
Binge drinking	12.9%
No physical activity	33.0%
Less than 7 hrs sleep	36.7%
Depression	21.7%
Fair or poor health	24.2%
Poor mental health	16.2%
Poor physical health	16.8%
No health insurance	22.3%
Visited doctor (checkup)	77.3%
Visited dentist	47.3%
Cholesterol screening	91.4%
Teeth loss	21.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	832	13.4%

Disability	%
Any disability	23.4%
Under 18	4.6%
18–64 years	19.3%
65 and over	37.6%

Health insurance coverage

Type	%
Private insurance	44.7%
Public insurance	51.3%
No insurance	19.4%
Uninsured under 19	17.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,877	97.2%
Spanish	83	1.2%
Other Indo-European	63	0.9%
Asian & Pacific Islander	0	0.0%
Other languages	20	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,863	97.0%
Born in same state	6,655	94.1%
Born in different state	3,197	45.2%
Foreign born	208	2.9%
Naturalized citizen	213	3.0%
Not a US citizen	158	74.2%

Ancestry

Ancestry	Count	%
Italian	1,013	14.3%
French	627	8.9%
Arab	514	7.3%
Irish	40	0.6%
Norwegian	31	0.4%

Ancestry	Count	%
English	25	0.4%
Dutch	21	0.3%
German	15	0.2%
Polish	13	0.2%

Technology access

Metric	% of households
Computer access	45.3%
Internet access	85.6%

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

Frequently asked questions about ZIP code 32134

What city is ZIP code 32134 in?

ZIP code 32134 is primarily assigned to Fort Mc Coy, Florida.

What county is ZIP code 32134 in?

ZIP code 32134 falls within Marion County, Florida.

Does ZIP code 32134 have a large retiree population?

61% of households in ZIP code 32134 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 32134 have an older population?

33% of residents in ZIP code 32134 are 65 or older, above the national average of ~17%.

Is ZIP code 32134 mostly owner-occupied?

90% of occupied units in ZIP code 32134 are owner-occupied, well above the national average.

How educated is the population of ZIP code 32134?

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

What timezone is ZIP code 32134 in?

ZIP code 32134 observes the EST timezone.