32148 ZIP Code — Interlachen, FL

Putnam County, Florida

ZIP code 32148 is located in Interlachen, Florida, within Putnam County. It covers approximately 78.14 square miles and serves a population of 10,923 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 386/352.

About ZIP code 32148

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 $83,800. Owner-occupancy is high at 83%, well above the national average.

Median household income is $43,891. Poverty affects 27% of residents, above the national average. SNAP benefit usage at 25% of households reflects economic stress in the area. 53% 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 36 minutes suggests many residents work outside the immediate area.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (27%) compared to national benchmarks. 15% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%; and disability rates above the national average at 23%.

Overall, ZIP code 32148 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.

10,923

population

78.14

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32148 ZIP code map

Cities in ZIP code 32148

Below are the cities the US Postal Service accepts for ZIP code 32148. Using any city not on this list may result in mail delivery delays.

City	Status
Interlachen	Preferred

Nearby ZIP codes

32177 Palatka (9.4 mi) 32140 Florahome (11.2 mi) 32189 Satsuma (12.7 mi) 32193 Welaka (14 mi) 32193 Welaka (14 mi) 32193 Welaka (14 mi) 32666 Melrose (14 mi) 32181 Pomona Park (14.3 mi) 32181 Pomona Park (14.3 mi) 32187 San Mateo (15 mi) 32131 East Palatka (15.4 mi) 32640 Hawthorne (16.3 mi)

Demographics updated 05/2026

Population
Total population	10,923
Population density	140 / sq mi
State FIPS	12
County FIPS	107

Geography
Land area	78.14 sq mi
Water area	5.30 sq mi
Latitude	29.6000
Longitude	-81.8181
Timezone	Eastern (ET)
Area code	386/352

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	69.5%	60.0%	43.4%
$50k – $100k	22.4%	27.2%	30.8%
$100k – $200k	7.5%	10.9%	19.3%
Over $200k	0.5%	1.9%	6.4%

Demographics & statistics

10,923

Population

140

People per sq mi

45.4

Median age

$43,891

Median household income

$22,133

Per capita income

$83,800

Median home value

$753

Median monthly rent

83.3%

Home ownership

26.9%

Poverty rate

5.5%

Unemployment

4,594

Housing units

13.2%

Bachelor's or higher

Age distribution

Male Female

252

Under 5

240

416

5–9

396

355

10–14

339

407

15–19

387

231

20–24

220

641

25–34

610

477

35–44

454

508

45–54

484

503

55–59

480

613

60–64

584

65–74

557

484

75–84

461

123

85+

117

← Male

Female →

Age summary

Group	Count	%
Under 18	2,478	22.7%
18 and over	8,445	77.3%
65 and over	2,326	21.3%
Median age	45.4 years

Race & ethnicity

White 81.3%

Two or more races 7.8%

Hispanic or Latino 6.1%

Black or African American 3.6%

Other race 1%

Asian 0.1%

Group	Count	%
White	9,459	81.3%
Two or more races	911	7.8%
Hispanic or Latino	710	6.1%
Black or African American	419	3.6%
Other race	116	1%
Asian	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	69.5%	60.0%	43.4%
$50k – $100k	22.4%	27.2%	30.8%
$100k – $200k	7.5%	10.9%	19.3%
Over $200k	0.5%	1.9%	6.4%

Under $10k 4.4%

$10k–$15k 6.3%

$15k–$25k 11.1%

$25k–$35k 15.3%

$35k–$50k 25.3%

$50k–$75k 19.2%

$75k–$100k 6.7%

$100k–$150k 9.1%

$150k–$200k 0.7%

$200k+ 1.7%

Range	% of households
Under $10k	4.4%
$10k–$15k	6.3%
$15k–$25k	11.1%
$25k–$35k	15.3%
$35k–$50k	25.3%
$50k–$75k	19.2%
$75k–$100k	6.7%
$100k–$150k	9.1%
$150k–$200k	0.7%
$200k+	1.7%
Median income	$43,891

Housing

Home values

Under $50k 31.5%

$50k–$100k 28.2%

$100k–$150k 11.6%

$150k–$200k 13.8%

$200k–$300k 7.5%

$300k–$500k 7.1%

$500k–$1M 0.3%

Housing overview

Metric	Value
Median home value	$83,800
Median rent / month	$753
Owner occupied	83.3%
Renter occupied	16.7%
Vacant	18.5%
Single-family detached	35.9%
Large apartment buildings	0.7%
Mobile homes	62.0%
Median rooms	5.6
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.4%
2010–2019	5.3%
2000–2009	20.1%
1990–1999	16.5%
1980–1989	22.2%
1970–1979	19.2%
1960–1969	10.2%
1950–1959	3.1%
1940–1949	0.3%
1939 or earlier	2.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	9.3%
2 bedrooms	29.1%
3 bedrooms	50.0%
4 bedrooms	7.6%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	31.9%
2 vehicles	40.8%
3 or more	23.1%

Heating fuel

Fuel type	%
Utility gas	0.9%
Electricity	92.4%
Propane / LP gas	3.6%
Fuel oil	0.4%
No fuel used	2.7%

Households & families

Household type	Count	%
Married-couple family	1,774	40.9%
Cohabiting couple	527	12.2%
Male householder, no spouse	876	20.2%
Female householder, no spouse	1,156	26.7%
Households with children under 18	1,172	27.0%
Households with seniors (65+)	1,722	39.7%
Average household size	2.52

Marital status

Status	Male	Female
Never married	35.7%	26.6%
Married	41.1%	40.4%
Separated	1.3%	0.3%
Widowed	6.7%	14.4%
Divorced	15.3%	18.3%

Education

Less than 9th grade 3.7%

Some HS, no diploma 13.2%

HS graduate 48.8%

Some college, no degree 16.3%

Associate's degree 4.8%

Bachelor's degree 11.2%

Graduate / professional 2.0%

Metric	%
HS diploma or higher	83.1%
Bachelor's or higher	13.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	80	3.2%
Kindergarten	102	4.1%
Elementary school	1,382	56.1%
High school	522	21.2%
College / grad school	378	15.3%

Employment

Industry of employment

Education & healthcare 24.0%

Retail trade 14.3%

Arts, food & hospitality 11.0%

Manufacturing 8.9%

Agriculture & mining 8.6%

Transportation & utilities 7.5%

Construction 6.9%

Professional & management 6.6%

Public administration 5.6%

Other services 3.7%

Finance & real estate 2.5%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	25.5%
Service	19.4%
Sales & office	23.4%
Natural resources & construction	11.9%
Production & transportation	19.7%

Employment type

Type	%
Private sector	72.4%
Government	19.3%
Self-employed	8.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.8%
Carpool	10.0%
Public transit	0.0%
Walk	0.0%
Work from home	11.2%
Other means	3.0%
Avg commute (minutes)	36.3

Poverty

All people 26.9%

Under 18 years 44.4%

18 and over 22.0%

Married-couple families 13.6%

Female-led households 43.8%

Income support

Source	% of households
Social Security	52.8%
Retirement income	34.0%
Supplemental Security	15.4%
Cash public assistance	3.2%
Food stamps / SNAP	25.3%

Health indicators

Condition	%
Obesity	36.5%
High blood pressure	39.9%
High cholesterol	38.1%
Diabetes	14.9%
Heart disease	10.2%
Stroke	5.2%
Asthma	9.7%
Arthritis	30.9%
Kidney disease	4.4%
Pulmonary disease	13.9%
Cancer	7.7%

Behavior / access	%
Smoking	27.3%
Binge drinking	14.7%
No physical activity	34.9%
Less than 7 hrs sleep	37.3%
Depression	21.3%
Fair or poor health	25.8%
Poor mental health	17.8%
Poor physical health	17.3%
No health insurance	25.6%
Visited doctor (checkup)	75.5%
Visited dentist	44.3%
Cholesterol screening	88.8%
Teeth loss	25.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,204	14.3%

Disability	%
Any disability	23.2%
Under 18	4.6%
18–64 years	25.3%
65 and over	37.5%

Health insurance coverage

Type	%
Private insurance	35.2%
Public insurance	62.5%
No insurance	15.1%
Uninsured under 19	9.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,431	95.5%
Spanish	218	2.1%
Other Indo-European	169	1.6%
Asian & Pacific Islander	16	0.2%
Other languages	33	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,794	98.8%
Born in same state	10,540	96.5%
Born in different state	6,077	55.6%
Foreign born	254	2.3%
Naturalized citizen	129	1.2%
Not a US citizen	129	100.0%

Ancestry

Ancestry	Count	%
French	2,758	25.2%
Arab	1,433	13.1%
Italian	1,298	11.9%
English	100	0.9%

Ancestry	Count	%
German	62	0.6%
Irish	34	0.3%
Polish	18	0.2%
Dutch	16	0.1%

Technology access

Metric	% of households
Computer access	39.7%
Internet access	91.5%

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

Frequently asked questions about ZIP code 32148

What city is ZIP code 32148 in?

ZIP code 32148 is primarily assigned to Interlachen, Florida.

What county is ZIP code 32148 in?

ZIP code 32148 falls within Putnam County, Florida.

Does ZIP code 32148 have a large retiree population?

53% of households in ZIP code 32148 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 32148?

27% of residents in ZIP code 32148 live below the poverty line, above the national average.

How educated is the population of ZIP code 32148?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 32148 mostly owner-occupied?

83% of occupied units in ZIP code 32148 are owner-occupied, well above the national average.

What timezone is ZIP code 32148 in?

ZIP code 32148 observes the EST timezone.