32784 ZIP Code — Umatilla, FL

Lake County, Florida

ZIP code 32784 is located in Umatilla, Florida, within Lake County. It covers approximately 92.78 square miles and serves a population of 10,545 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 352.

About ZIP code 32784

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 $207,900. Owner-occupancy is high at 81%, well above the national average.

Median household income is $67,931. SNAP benefit usage at 18% of households reflects economic stress in the area. 45% 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. The average commute of 35 minutes is near the national average.

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 (23%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 32784 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

10,545

population

92.78

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32784 ZIP code map

Cities in ZIP code 32784

Below are the cities the US Postal Service accepts for ZIP code 32784. Using any city not on this list may result in mail delivery delays.

City	Status
Umatilla	Acceptable
Umatilla	Preferred

Nearby ZIP codes

32726 Eustis (5.4 mi) 32735 Grand Island (5.6 mi) 32736 Eustis (6.9 mi) 34788 Leesburg (9.3 mi) 32702 Altoona (9.6 mi) 32778 Tavares (11.1 mi) 32767 Paisley (11.7 mi) 32776 Sorrento (12.1 mi) 32757 Mount Dora (13.7 mi) 32798 Zellwood (14.4 mi) 34705 Astatula (15.5 mi) 32720 Deland (15.6 mi)

Demographics updated 05/2026

Population
Total population	10,545
Population density	114 / sq mi
State FIPS	12
County FIPS	069

Geography
Land area	92.78 sq mi
Water area	12.47 sq mi
Latitude	28.9270
Longitude	-81.6496
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	41.5%	44.7%	43.4%
$50k – $100k	32.8%	32.7%	30.8%
$100k – $200k	22.9%	18.8%	19.3%
Over $200k	2.7%	3.9%	6.4%

Demographics & statistics

10,545

Population

114

People per sq mi

45.6

Median age

$67,931

Median household income

$35,189

Per capita income

$207,900

Median home value

$855

Median monthly rent

81.1%

Home ownership

10.8%

Poverty rate

8.2%

Unemployment

4,477

Housing units

12.8%

Bachelor's or higher

Age distribution

Male Female

367

Under 5

340

214

5–9

198

235

10–14

218

349

15–19

322

277

20–24

257

708

25–34

654

562

35–44

519

824

45–54

762

311

55–59

288

287

60–64

266

897

65–74

829

372

75–84

345

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,877	17.8%
18 and over	8,668	82.2%
65 and over	2,587	24.5%
Median age	45.6 years

Race & ethnicity

White 92.1%

Two or more races 2.7%

Black or African American 2.5%

Hispanic or Latino 1.9%

American Indian / Alaska Native 0.4%

Other race 0.3%

Asian 0.1%

Group	Count	%
White	9,901	92.1%
Two or more races	289	2.7%
Black or African American	264	2.5%
Hispanic or Latino	207	1.9%
American Indian / Alaska Native	39	0.4%
Other race	37	0.3%
Asian	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.5%	44.7%	43.4%
$50k – $100k	32.8%	32.7%	30.8%
$100k – $200k	22.9%	18.8%	19.3%
Over $200k	2.7%	3.9%	6.4%

Under $10k 3.8%

$10k–$15k 3.4%

$15k–$25k 11.3%

$25k–$35k 5.2%

$35k–$50k 9.1%

$50k–$75k 25.6%

$75k–$100k 14.4%

$100k–$150k 12.3%

$150k–$200k 6.5%

$200k+ 8.3%

Range	% of households
Under $10k	3.8%
$10k–$15k	3.4%
$15k–$25k	11.3%
$25k–$35k	5.2%
$35k–$50k	9.1%
$50k–$75k	25.6%
$75k–$100k	14.4%
$100k–$150k	12.3%
$150k–$200k	6.5%
$200k+	8.3%
Median income	$67,931

Housing

Home values

Under $50k 14.7%

$50k–$100k 7.7%

$100k–$150k 10.9%

$150k–$200k 15.1%

$200k–$300k 25.3%

$300k–$500k 15.6%

$500k–$1M 8.7%

$1M+ 2.0%

Housing overview

Metric	Value
Median home value	$207,900
Median rent / month	$855
Owner occupied	81.1%
Renter occupied	18.9%
Vacant	18.9%
Single-family detached	66.9%
Large apartment buildings	1.5%
Mobile homes	26.6%
Median rooms	5.4
Avg household size (owned)	2.37

Year built

Era	%
2020 or later	0.2%
2010–2019	9.9%
2000–2009	21.0%
1990–1999	9.3%
1980–1989	18.0%
1970–1979	13.2%
1960–1969	13.2%
1950–1959	8.8%
1940–1949	2.8%
1939 or earlier	3.7%

Bedrooms

Size	% of units
No bedroom (studio)	1.7%
1 bedroom	9.2%
2 bedrooms	31.0%
3 bedrooms	48.1%
4 bedrooms	7.5%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	3.3%
1 vehicle	30.9%
2 vehicles	37.4%
3 or more	28.4%

Heating fuel

Fuel type	%
Utility gas	2.8%
Electricity	90.8%
Propane / LP gas	3.9%
Wood	0.3%
Solar	1.5%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	2,377	55.5%
Cohabiting couple	273	6.4%
Male householder, no spouse	917	21.4%
Female householder, no spouse	717	16.7%
Households with children under 18	1,050	24.5%
Households with seniors (65+)	1,860	43.4%
Average household size	2.45

Marital status

Status	Male	Female
Never married	25.5%	17.6%
Married	53.7%	56.9%
Separated	2.4%	1.3%
Widowed	4.4%	11.9%
Divorced	14.1%	12.4%

Education

Less than 9th grade 4.5%

Some HS, no diploma 7.2%

HS graduate 40.0%

Some college, no degree 24.5%

Associate's degree 11.1%

Bachelor's degree 6.6%

Graduate / professional 6.3%

Metric	%
HS diploma or higher	88.3%
Bachelor's or higher	12.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	72	4.4%
Kindergarten	122	7.4%
Elementary school	633	38.3%
High school	528	32.0%
College / grad school	297	18.0%

Employment

Industry of employment

Construction 19.4%

Education & healthcare 19.1%

Retail trade 12.3%

Professional & management 10.1%

Finance & real estate 8.2%

Arts, food & hospitality 6.8%

Public administration 5.7%

Manufacturing 5.2%

Transportation & utilities 4.4%

Other services 3.8%

Wholesale trade 3.3%

Agriculture & mining 1.7%

Occupation

Category	%
Management, business & arts	34.4%
Service	17.2%
Sales & office	24.1%
Natural resources & construction	17.6%
Production & transportation	6.7%

Employment type

Type	%
Private sector	83.6%
Government	9.9%
Self-employed	5.6%
Unpaid family workers	0.8%

Commute

Method	%
Drive alone	78.8%
Carpool	9.7%
Public transit	0.0%
Walk	1.8%
Work from home	8.0%
Other means	1.7%
Avg commute (minutes)	35.0

Poverty

All people 10.8%

Under 18 years 12.4%

18 and over 10.5%

Married-couple families 3.8%

Female-led households 9.8%

Income support

Source	% of households
Social Security	45.0%
Retirement income	24.3%
Supplemental Security	7.6%
Cash public assistance	1.2%
Food stamps / SNAP	17.5%

Health indicators

Condition	%
Obesity	37.3%
High blood pressure	37.5%
High cholesterol	34.7%
Diabetes	12.7%
Heart disease	8.5%
Stroke	4.1%
Asthma	9.3%
Arthritis	29.4%
Kidney disease	3.6%
Pulmonary disease	11.2%
Cancer	7.4%

Behavior / access	%
Smoking	23.2%
Binge drinking	14.8%
No physical activity	29.3%
Less than 7 hrs sleep	35.7%
Depression	21.8%
Fair or poor health	19.9%
Poor mental health	16.8%
Poor physical health	14.0%
No health insurance	22.0%
Visited doctor (checkup)	74.9%
Visited dentist	52.3%
Cholesterol screening	89.9%
Teeth loss	19.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	991	11.4%

Disability	%
Any disability	14.4%
Under 18	3.3%
18–64 years	9.8%
65 and over	33.5%

Health insurance coverage

Type	%
Private insurance	55.2%
Public insurance	43.8%
No insurance	11.8%
Uninsured under 19	7.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,838	93.3%
Spanish	159	1.6%
Other Indo-European	151	1.5%
Asian & Pacific Islander	0	0.0%
Other languages	8	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,206	96.8%
Born in same state	10,114	95.9%
Born in different state	5,634	53.4%
Foreign born	92	0.9%
Naturalized citizen	339	3.2%
Not a US citizen	264	77.9%

Ancestry

Ancestry	Count	%
Italian	1,392	13.2%
French	1,145	10.9%
Arab	697	6.6%
Polish	186	1.8%

Ancestry	Count	%
English	127	1.2%
Irish	47	0.4%
Dutch	17	0.2%
German	10	0.1%

Technology access

Metric	% of households
Computer access	40.6%
Internet access	92.8%

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

Frequently asked questions about ZIP code 32784

What city is ZIP code 32784 in?

ZIP code 32784 is primarily assigned to Umatilla, Florida.

What county is ZIP code 32784 in?

ZIP code 32784 falls within Lake County, Florida.

How educated is the population of ZIP code 32784?

13% 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 32784 have a large retiree population?

45% of households in ZIP code 32784 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 32784 mostly owner-occupied?

81% of occupied units in ZIP code 32784 are owner-occupied, well above the national average.

Does ZIP code 32784 have a large veteran population?

11% of civilians in ZIP code 32784 are veterans, above the national average of ~7%.

What timezone is ZIP code 32784 in?

ZIP code 32784 observes the EST timezone.