32046 ZIP Code — Hilliard, FL

Nassau County, Florida

ZIP code 32046 is located in Hilliard, Florida, within Nassau County. It covers approximately 196.56 square miles and serves a population of 11,042 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 904.

About ZIP code 32046

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $213,500. Owner-occupancy sits near the national average at 75%.

Median household income is $69,153. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. An above-average commute of 37 minutes suggests many residents work outside the immediate area.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 32046 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

11,042

population

196.56

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32046 ZIP code map

Cities in ZIP code 32046

Below are the cities the US Postal Service accepts for ZIP code 32046. Using any city not on this list may result in mail delivery delays.

City	Status
Hilliard	Preferred

Nearby ZIP codes

32011 Callahan (7.6 mi) 31548 Kingsland (13.7 mi) 32097 Yulee (14.7 mi) 31562 Saint George (15.6 mi) 32219 Jacksonville (17.4 mi) 32009 Bryceville (17.8 mi) 32218 Jacksonville (17.9 mi)

Demographics updated 05/2026

Population
Total population	11,042
Population density	56 / sq mi
State FIPS	12
County FIPS	089

Geography
Land area	196.56 sq mi
Water area	0.96 sq mi
Latitude	30.6756
Longitude	-81.8802
Timezone	Eastern (ET)
Area code	904

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.2%	32.5%	43.4%
$50k – $100k	42.6%	33.8%	30.8%
$100k – $200k	20.6%	24.7%	19.3%
Over $200k	1.5%	8.9%	6.4%

Demographics & statistics

11,042

Population

People per sq mi

39.2

Median age

$69,153

Median household income

$30,076

Per capita income

$213,500

Median home value

$808

Median monthly rent

74.9%

Home ownership

9.8%

Poverty rate

4.0%

Unemployment

3,207

Housing units

11.3%

Bachelor's or higher

Age distribution

Male Female

346

Under 5

419

454

5–9

549

309

10–14

375

155

15–19

188

307

20–24

371

735

25–34

890

449

35–44

543

635

45–54

769

396

55–59

480

322

60–64

389

449

65–74

544

319

75–84

386

119

85+

144

← Male

Female →

Age summary

Group	Count	%
Under 18	2,655	24.0%
18 and over	8,387	76.0%
65 and over	1,961	17.8%
Median age	39.2 years

Race & ethnicity

White 88%

Black or African American 4.9%

Two or more races 3%

Hispanic or Latino 2.4%

Other race 0.9%

American Indian / Alaska Native 0.8%

Group	Count	%
White	9,964	88%
Black or African American	556	4.9%
Two or more races	335	3%
Hispanic or Latino	277	2.4%
Other race	101	0.9%
American Indian / Alaska Native	86	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.2%	32.5%	43.4%
$50k – $100k	42.6%	33.8%	30.8%
$100k – $200k	20.6%	24.7%	19.3%
Over $200k	1.5%	8.9%	6.4%

Under $10k 5.1%

$10k–$15k 3.0%

$15k–$25k 5.1%

$25k–$35k 7.2%

$35k–$50k 8.2%

$50k–$75k 28.3%

$75k–$100k 13.4%

$100k–$150k 14.7%

$150k–$200k 9.1%

$200k+ 5.8%

Range	% of households
Under $10k	5.1%
$10k–$15k	3.0%
$15k–$25k	5.1%
$25k–$35k	7.2%
$35k–$50k	8.2%
$50k–$75k	28.3%
$75k–$100k	13.4%
$100k–$150k	14.7%
$150k–$200k	9.1%
$200k+	5.8%
Median income	$69,153

Housing

Home values

Under $50k 6.0%

$50k–$100k 8.7%

$100k–$150k 16.8%

$150k–$200k 13.8%

$200k–$300k 30.1%

$300k–$500k 19.1%

$500k–$1M 4.7%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$213,500
Median rent / month	$808
Owner occupied	74.9%
Renter occupied	25.1%
Vacant	10.2%
Single-family detached	51.0%
Large apartment buildings	0.8%
Mobile homes	39.3%
Median rooms	5.8
Avg household size (owned)	3.01

Year built

Era	%
2020 or later	0.7%
2010–2019	11.0%
2000–2009	21.5%
1990–1999	20.3%
1980–1989	19.8%
1970–1979	15.5%
1960–1969	6.7%
1950–1959	1.7%
1940–1949	2.0%
1939 or earlier	0.7%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	4.0%
2 bedrooms	19.3%
3 bedrooms	57.4%
4 bedrooms	13.5%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.6%
1 vehicle	24.0%
2 vehicles	32.7%
3 or more	40.7%

Heating fuel

Fuel type	%
Utility gas	0.6%
Electricity	94.3%
Propane / LP gas	1.6%
Fuel oil	1.3%
Wood	0.5%
No fuel used	1.7%

Households & families

Household type	Count	%
Married-couple family	2,074	55.8%
Cohabiting couple	380	10.2%
Male householder, no spouse	409	11.0%
Female householder, no spouse	854	23.0%
Households with children under 18	1,508	40.6%
Households with seniors (65+)	1,318	35.5%
Average household size	2.91

Marital status

Status	Male	Female
Never married	21.9%	21.8%
Married	60.3%	53.1%
Separated	0.0%	1.7%
Widowed	3.5%	13.0%
Divorced	14.3%	10.5%

Education

Less than 9th grade 2.5%

Some HS, no diploma 9.9%

HS graduate 47.3%

Some college, no degree 19.9%

Associate's degree 9.1%

Bachelor's degree 8.5%

Graduate / professional 2.8%

Metric	%
HS diploma or higher	87.7%
Bachelor's or higher	11.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	139	5.8%
Kindergarten	147	6.1%
Elementary school	1,328	55.3%
High school	348	14.5%
College / grad school	440	18.3%

Employment

Industry of employment

Construction 17.8%

Professional & management 14.1%

Education & healthcare 14.0%

Transportation & utilities 9.5%

Arts, food & hospitality 9.1%

Manufacturing 8.5%

Other services 8.3%

Retail trade 7.6%

Finance & real estate 5.3%

Public administration 4.2%

Agriculture & mining 0.8%

Wholesale trade 0.5%

Information 0.3%

Occupation

Category	%
Management, business & arts	27.2%
Service	17.6%
Sales & office	25.9%
Natural resources & construction	16.2%
Production & transportation	13.1%

Employment type

Type	%
Private sector	88.6%
Government	10.3%
Self-employed	1.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.9%
Carpool	4.0%
Public transit	0.0%
Walk	1.5%
Work from home	10.3%
Other means	0.2%
Avg commute (minutes)	36.5

Poverty

All people 9.8%

Under 18 years 15.3%

18 and over 8.1%

Married-couple families 1.4%

Female-led households 29.9%

Income support

Source	% of households
Social Security	37.3%
Retirement income	28.5%
Supplemental Security	5.0%
Cash public assistance	3.4%
Food stamps / SNAP	15.3%

Health indicators

Condition	%
Obesity	32.7%
High blood pressure	34.5%
High cholesterol	33.7%
Diabetes	11.0%
Heart disease	7.0%
Stroke	3.5%
Asthma	9.2%
Arthritis	26.5%
Kidney disease	3.0%
Pulmonary disease	9.8%
Cancer	6.7%

Behavior / access	%
Smoking	23.3%
Binge drinking	16.6%
No physical activity	26.2%
Less than 7 hrs sleep	33.1%
Depression	21.8%
Fair or poor health	17.7%
Poor mental health	17.7%
Poor physical health	13.0%
No health insurance	21.5%
Visited doctor (checkup)	73.9%
Visited dentist	53.9%
Cholesterol screening	88.9%
Teeth loss	17.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	824	9.8%

Disability	%
Any disability	17.5%
Under 18	4.2%
18–64 years	14.3%
65 and over	48.1%

Health insurance coverage

Type	%
Private insurance	62.6%
Public insurance	40.2%
No insurance	8.3%
Uninsured under 19	4.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,277	93.1%
Spanish	34	0.3%
Other Indo-European	18	0.2%
Asian & Pacific Islander	8	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,947	99.1%
Born in same state	10,791	97.7%
Born in different state	7,439	67.4%
Foreign born	156	1.4%
Naturalized citizen	95	0.9%
Not a US citizen	83	87.4%

Ancestry

Ancestry	Count	%
Arab	3,224	29.2%
Italian	1,559	14.1%
French	1,450	13.1%

Ancestry	Count	%
English	71	0.6%
German	19	0.2%

Technology access

Metric	% of households
Computer access	33.7%
Internet access	97.4%

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

Frequently asked questions about ZIP code 32046

What city is ZIP code 32046 in?

ZIP code 32046 is primarily assigned to Hilliard, Florida.

What county is ZIP code 32046 in?

ZIP code 32046 falls within Nassau County, Florida.

How educated is the population of ZIP code 32046?

11% 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 32046 have a large retiree population?

37% of households in ZIP code 32046 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 32046 have a large veteran population?

10% of civilians in ZIP code 32046 are veterans, above the national average of ~7%.

What is the population of ZIP code 32046?

ZIP code 32046 has an estimated population of 11,042 residents, with a density of 56 people per square mile.

What timezone is ZIP code 32046 in?

ZIP code 32046 observes the EST timezone.