32038 ZIP Code — Fort White, FL

Columbia County, Florida

ZIP code 32038 is located in Fort White, Florida, within Columbia County. It covers approximately 107.09 square miles and serves a population of 10,208 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 386.

About ZIP code 32038

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $157,200. Owner-occupancy is high at 87%, well above the national average.

The gap between median ($50,098) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 18% of residents, above the national average. 52% 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. The average commute of 32 minutes is near the national average.

College attainment at 15% 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.

Notable community characteristics include disability rates above the national average at 25%.

Overall, ZIP code 32038 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

10,208

population

107.09

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32038 ZIP code map

Cities in ZIP code 32038

Below are the cities the US Postal Service accepts for ZIP code 32038. Using any city not on this list may result in mail delivery delays.

City	Status
Fort White	Preferred

Nearby ZIP codes

32643 High Springs (8.2 mi) 32024 Lake City (9.5 mi) 32008 Branford (10.2 mi) 32025 Lake City (12.5 mi) 32615 Alachua (14.7 mi) 32619 Bell (15.2 mi) 32071 O Brien (16.3 mi) 32693 Trenton (18.7 mi)

Demographics updated 05/2026

Population
Total population	10,208
Population density	95 / sq mi
State FIPS	12
County FIPS	023

Geography
Land area	107.09 sq mi
Water area	0.11 sq mi
Latitude	29.9257
Longitude	-82.7043
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	61.8%	53.5%	43.4%
$50k – $100k	21.6%	28.0%	30.8%
$100k – $200k	15.4%	16.1%	19.3%
Over $200k	1.2%	2.4%	6.4%

Demographics & statistics

10,208

Population

People per sq mi

51.2

Median age

$50,098

Median household income

$29,513

Per capita income

$157,200

Median home value

$825

Median monthly rent

86.6%

Home ownership

18.0%

Poverty rate

6.9%

Unemployment

4,344

Housing units

15.4%

Bachelor's or higher

Age distribution

Male Female

271

Under 5

296

301

5–9

328

226

10–14

247

230

15–19

250

183

20–24

199

527

25–34

575

422

35–44

460

640

45–54

698

540

55–59

589

439

60–64

478

697

65–74

761

375

75–84

408

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,014	19.7%
18 and over	8,194	80.3%
65 and over	2,309	22.6%
Median age	51.2 years

Race & ethnicity

White 78%

Hispanic or Latino 6.5%

Black or African American 6.4%

Two or more races 6.3%

Other race 2.2%

Asian 0.8%

Group	Count	%
White	8,507	78%
Hispanic or Latino	705	6.5%
Black or African American	695	6.4%
Two or more races	686	6.3%
Other race	238	2.2%
Asian	82	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.8%	53.5%	43.4%
$50k – $100k	21.6%	28.0%	30.8%
$100k – $200k	15.4%	16.1%	19.3%
Over $200k	1.2%	2.4%	6.4%

Under $10k 7.1%

$10k–$15k 4.4%

$15k–$25k 11.8%

$25k–$35k 13.3%

$35k–$50k 13.3%

$50k–$75k 17.5%

$75k–$100k 9.3%

$100k–$150k 12.7%

$150k–$200k 6.0%

$200k+ 4.6%

Range	% of households
Under $10k	7.1%
$10k–$15k	4.4%
$15k–$25k	11.8%
$25k–$35k	13.3%
$35k–$50k	13.3%
$50k–$75k	17.5%
$75k–$100k	9.3%
$100k–$150k	12.7%
$150k–$200k	6.0%
$200k+	4.6%
Median income	$50,098

Housing

Home values

Under $50k 12.1%

$50k–$100k 19.9%

$100k–$150k 13.4%

$150k–$200k 22.3%

$200k–$300k 15.5%

$300k–$500k 12.1%

$500k–$1M 4.7%

Housing overview

Metric	Value
Median home value	$157,200
Median rent / month	$825
Owner occupied	86.6%
Renter occupied	13.4%
Vacant	19.3%
Single-family detached	37.6%
Large apartment buildings	0.3%
Mobile homes	60.0%
Median rooms	5.2
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	1.7%
2010–2019	11.9%
2000–2009	22.5%
1990–1999	31.9%
1980–1989	13.7%
1970–1979	10.2%
1960–1969	4.8%
1950–1959	1.2%
1940–1949	0.5%
1939 or earlier	1.6%

Bedrooms

Size	% of units
No bedroom (studio)	3.7%
1 bedroom	8.5%
2 bedrooms	17.8%
3 bedrooms	55.5%
4 bedrooms	12.6%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	29.9%
2 vehicles	39.5%
3 or more	28.1%

Heating fuel

Fuel type	%
Utility gas	0.1%
Electricity	87.6%
Propane / LP gas	5.0%
Fuel oil	0.5%
Wood	4.3%
No fuel used	2.0%

Households & families

Household type	Count	%
Married-couple family	2,076	52.8%
Cohabiting couple	354	9.0%
Male householder, no spouse	633	16.1%
Female householder, no spouse	871	22.1%
Households with children under 18	1,053	26.8%
Households with seniors (65+)	1,622	41.2%
Average household size	2.59

Marital status

Status	Male	Female
Never married	21.4%	25.4%
Married	56.4%	52.9%
Separated	1.8%	2.3%
Widowed	2.9%	10.6%
Divorced	17.5%	8.8%

Education

Less than 9th grade 4.0%

Some HS, no diploma 9.2%

HS graduate 34.8%

Some college, no degree 25.9%

Associate's degree 10.6%

Bachelor's degree 10.8%

Graduate / professional 4.6%

Metric	%
HS diploma or higher	86.8%
Bachelor's or higher	15.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	143	7.5%
Kindergarten	220	11.5%
Elementary school	875	45.7%
High school	345	18.0%
College / grad school	330	17.3%

Employment

Industry of employment

Education & healthcare 22.6%

Retail trade 14.4%

Arts, food & hospitality 13.7%

Construction 8.7%

Finance & real estate 7.4%

Transportation & utilities 7.2%

Professional & management 6.8%

Public administration 6.3%

Other services 3.8%

Agriculture & mining 3.7%

Manufacturing 3.1%

Information 1.2%

Wholesale trade 1.1%

Occupation

Category	%
Management, business & arts	29.1%
Service	23.3%
Sales & office	24.1%
Natural resources & construction	12.9%
Production & transportation	10.7%

Employment type

Type	%
Private sector	78.0%
Government	12.6%
Self-employed	8.5%
Unpaid family workers	0.8%

Commute

Method	%
Drive alone	70.6%
Carpool	20.0%
Public transit	0.1%
Walk	0.4%
Work from home	7.7%
Other means	1.2%
Avg commute (minutes)	31.6

Poverty

All people 18.0%

Under 18 years 27.8%

18 and over 15.7%

Married-couple families 8.6%

Female-led households 43.0%

Income support

Source	% of households
Social Security	51.8%
Retirement income	32.7%
Supplemental Security	5.7%
Cash public assistance	2.9%
Food stamps / SNAP	16.3%

Health indicators

Condition	%
Obesity	34.8%
High blood pressure	39.5%
High cholesterol	36.1%
Diabetes	13.1%
Heart disease	8.3%
Stroke	4.2%
Asthma	9.9%
Arthritis	30.1%
Kidney disease	3.7%
Pulmonary disease	11.5%
Cancer	7.3%

Behavior / access	%
Smoking	24.4%
Binge drinking	14.6%
No physical activity	30.7%
Less than 7 hrs sleep	36.1%
Depression	22.6%
Fair or poor health	20.8%
Poor mental health	17.3%
Poor physical health	15.1%
No health insurance	21.3%
Visited doctor (checkup)	77.2%
Visited dentist	49.1%
Cholesterol screening	90.3%
Teeth loss	18.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	803	9.8%

Disability	%
Any disability	24.9%
Under 18	9.1%
18–64 years	22.2%
65 and over	45.5%

Health insurance coverage

Type	%
Private insurance	52.0%
Public insurance	47.9%
No insurance	13.5%
Uninsured under 19	7.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,641	94.4%
Spanish	140	1.5%
Other Indo-European	96	1.0%
Asian & Pacific Islander	0	0.0%
Other languages	37	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,674	94.8%
Born in same state	9,484	92.9%
Born in different state	5,634	55.2%
Foreign born	190	1.9%
Naturalized citizen	534	5.2%
Not a US citizen	283	53.0%

Ancestry

Ancestry	Count	%
Italian	1,645	16.1%
French	1,529	15%
Arab	875	8.6%
Polish	125	1.2%

Ancestry	Count	%
German	100	1%
English	54	0.5%
Irish	39	0.4%
Norwegian	24	0.2%

Technology access

Metric	% of households
Computer access	38.5%
Internet access	95.2%

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

Frequently asked questions about ZIP code 32038

What city is ZIP code 32038 in?

ZIP code 32038 is primarily assigned to Fort White, Florida.

What county is ZIP code 32038 in?

ZIP code 32038 falls within Columbia County, Florida.

Does ZIP code 32038 have a large retiree population?

52% of households in ZIP code 32038 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 32038 mostly owner-occupied?

87% of occupied units in ZIP code 32038 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 32038?

18% of residents in ZIP code 32038 live below the poverty line, above the national average.

Does ZIP code 32038 have a large veteran population?

10% of civilians in ZIP code 32038 are veterans, above the national average of ~7%.

What timezone is ZIP code 32038 in?

ZIP code 32038 observes the EST timezone.