34786 ZIP Code — Windermere, FL

Orange County, Florida

ZIP code 34786 is located in Windermere, Florida, within Orange County. It covers approximately 19.84 square miles and serves a population of 45,914 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 407/689.

About ZIP code 34786

The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $578,400. Owner-occupancy sits near the national average at 71%.

The gap between median ($120,117) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 27 minutes is near the national average. Remote work is prevalent — 20% of workers work from home.

Educational attainment is high — 57% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 34786 reflects a community defined by a highly educated population and a high rate of remote workers.

45,914

population

19.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34786 ZIP code map

Cities in ZIP code 34786

Below are the cities the US Postal Service accepts for ZIP code 34786. Using any city not on this list may result in mail delivery delays.

City	Status
Windermere	Preferred

Nearby ZIP codes

34734 Gotha (4.5 mi) 34787 Winter Garden (4.8 mi) 34787 Winter Garden (4.8 mi) 32836 Orlando (5 mi) 32835 Orlando (5.3 mi) 32819 Orlando (5.5 mi) 34761 Ocoee (6.4 mi) 32811 Orlando (7.3 mi) 32821 Orlando (8 mi) 32818 Orlando (8.4 mi) 32839 Orlando (8.9 mi) 32837 Orlando (9.4 mi)

Demographics updated 05/2026

Population
Total population	45,914
Population density	2,314 / sq mi
State FIPS	12
County FIPS	095

Geography
Land area	19.84 sq mi
Water area	7.43 sq mi
Latitude	28.4802
Longitude	-81.5560
Timezone	Eastern (ET)
Area code	407/689

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.1%	40.3%	43.4%
$50k – $100k	27.6%	31.7%	30.8%
$100k – $200k	29.6%	21.0%	19.3%
Over $200k	21.7%	6.9%	6.4%

Demographics & statistics

45,914

Population

2,314

People per sq mi

37.3

Median age

$120,117

Median household income

$66,828

Per capita income

$578,400

Median home value

$2,238

Median monthly rent

70.7%

Home ownership

6.6%

Poverty rate

3.3%

Unemployment

1,966

Housing units

57.4%

Bachelor's or higher

Age distribution

Male Female

1,308

Under 5

1,506

1,815

5–9

2,092

1,805

10–14

2,079

986

15–19

1,135

935

20–24

1,078

2,732

25–34

3,147

3,789

35–44

4,366

3,091

45–54

3,560

1,362

55–59

1,569

1,097

60–64

1,264

1,639

65–74

1,889

545

75–84

628

231

85+

266

← Male

Female →

Age summary

Group	Count	%
Under 18	12,233	26.6%
18 and over	33,681	73.4%
65 and over	5,198	11.3%
Median age	37.3 years

Race & ethnicity

White 55.9%

Hispanic or Latino 14.9%

Two or more races 13%

Asian 9.3%

Other race 3.8%

Black or African American 3%

Group	Count	%
White	30,178	55.9%
Hispanic or Latino	8,028	14.9%
Two or more races	7,033	13%
Asian	5,020	9.3%
Other race	2,038	3.8%
Black or African American	1,634	3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.1%	40.3%	43.4%
$50k – $100k	27.6%	31.7%	30.8%
$100k – $200k	29.6%	21.0%	19.3%
Over $200k	21.7%	6.9%	6.4%

Under $10k 3.1%

$10k–$15k 0.2%

$15k–$25k 2.7%

$25k–$35k 3.5%

$35k–$50k 6.7%

$50k–$75k 13.8%

$75k–$100k 10.9%

$100k–$150k 19.9%

$150k–$200k 12.8%

$200k+ 26.2%

Range	% of households
Under $10k	3.1%
$10k–$15k	0.2%
$15k–$25k	2.7%
$25k–$35k	3.5%
$35k–$50k	6.7%
$50k–$75k	13.8%
$75k–$100k	10.9%
$100k–$150k	19.9%
$150k–$200k	12.8%
$200k+	26.2%
Median income	$120,117

Housing

Home values

Under $50k 2.2%

$50k–$100k 0.4%

$100k–$150k 0.3%

$200k–$300k 6.8%

$300k–$500k 30.8%

$500k–$1M 39.7%

$1M+ 19.8%

Housing overview

Metric	Value
Median home value	$578,400
Median rent / month	$2,238
Owner occupied	70.7%
Renter occupied	29.3%
Vacant	12.8%
Single-family detached	67.9%
Large apartment buildings	9.5%
Mobile homes	0.4%
Median rooms	7.0
Avg household size (owned)	3.03

Year built

Era	%
2020 or later	0.4%
2010–2019	30.6%
2000–2009	47.7%
1990–1999	10.0%
1980–1989	5.2%
1970–1979	4.4%
1960–1969	0.7%
1950–1959	0.6%
1940–1949	0.3%
1939 or earlier	0.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	7.3%
2 bedrooms	11.0%
3 bedrooms	32.4%
4 bedrooms	31.8%
5+ bedrooms	16.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.3%
1 vehicle	21.8%
2 vehicles	53.6%
3 or more	23.4%

Heating fuel

Fuel type	%
Utility gas	8.5%
Electricity	87.2%
Propane / LP gas	1.2%
Fuel oil	0.1%
Solar	0.6%
No fuel used	2.4%

Households & families

Household type	Count	%
Married-couple family	10,662	69.9%
Cohabiting couple	677	4.4%
Male householder, no spouse	988	6.5%
Female householder, no spouse	2,924	19.2%
Households with children under 18	6,692	43.9%
Households with seniors (65+)	3,601	23.6%
Average household size	3.01

Marital status

Status	Male	Female
Never married	21.6%	24.3%
Married	71.3%	60.8%
Separated	0.9%	0.8%
Widowed	1.0%	5.5%
Divorced	5.1%	8.6%

Education

Less than 9th grade 0.3%

Some HS, no diploma 2.6%

HS graduate 10.6%

Some college, no degree 18.0%

Associate's degree 11.1%

Bachelor's degree 37.9%

Graduate / professional 19.5%

Metric	%
HS diploma or higher	97.0%
Bachelor's or higher	57.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	925	7.2%
Kindergarten	458	3.5%
Elementary school	6,523	50.4%
High school	2,236	17.3%
College / grad school	2,794	21.6%

Employment

Industry of employment

Arts, food & hospitality 21.0%

Education & healthcare 18.1%

Professional & management 16.1%

Finance & real estate 11.7%

Retail trade 10.2%

Construction 5.3%

Manufacturing 5.2%

Transportation & utilities 4.2%

Other services 3.0%

Information 2.0%

Wholesale trade 1.9%

Public administration 1.1%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	55.3%
Service	12.0%
Sales & office	24.9%
Natural resources & construction	3.8%
Production & transportation	4.0%

Employment type

Type	%
Private sector	85.6%
Government	4.7%
Self-employed	9.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	72.8%
Carpool	4.7%
Public transit	0.0%
Walk	1.1%
Work from home	20.2%
Other means	1.2%
Avg commute (minutes)	27.3

Poverty

All people 6.6%

Under 18 years 6.1%

18 and over 6.8%

Married-couple families 4.2%

Female-led households 7.5%

Income support

Source	% of households
Social Security	19.1%
Retirement income	15.8%
Supplemental Security	2.2%
Cash public assistance	1.0%
Food stamps / SNAP	1.0%

Health indicators

Condition	%
Obesity	25.2%
High blood pressure	25.1%
High cholesterol	27.9%
Diabetes	7.3%
Heart disease	4.1%
Stroke	1.9%
Asthma	7.7%
Arthritis	16.1%
Kidney disease	2.0%
Pulmonary disease	4.5%
Cancer	5.2%

Behavior / access	%
Smoking	12.6%
Binge drinking	16.2%
No physical activity	17.0%
Less than 7 hrs sleep	31.5%
Depression	16.7%
Fair or poor health	9.8%
Poor mental health	13.3%
Poor physical health	7.7%
No health insurance	14.9%
Visited doctor (checkup)	70.9%
Visited dentist	66.8%
Cholesterol screening	92.4%
Teeth loss	7.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,105	3.3%

Disability	%
Any disability	6.2%
Under 18	1.5%
18–64 years	4.7%
65 and over	26.0%

Health insurance coverage

Type	%
Private insurance	84.5%
Public insurance	15.3%
No insurance	6.6%
Uninsured under 19	4.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	43,100	93.9%
Spanish	5,336	12.4%
Other Indo-European	2,379	5.5%
Asian & Pacific Islander	1,792	4.2%
Other languages	1,088	2.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	33,827	73.7%
Born in same state	31,706	69.1%
Born in different state	11,171	24.3%
Foreign born	2,121	4.6%
Naturalized citizen	12,087	26.3%
Not a US citizen	5,948	49.2%

Ancestry

Ancestry	Count	%
Arab	5,092	11.1%
French	4,446	9.7%
Italian	3,533	7.7%
English	945	2.1%
Polish	786	1.7%

Ancestry	Count	%
Irish	220	0.5%
German	128	0.3%
Dutch	84	0.2%
Norwegian	42	0.1%

Technology access

Metric	% of households
Computer access	33.2%
Internet access	99.0%

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

Frequently asked questions about ZIP code 34786

What city is ZIP code 34786 in?

ZIP code 34786 is primarily assigned to Windermere, Florida.

What county is ZIP code 34786 in?

ZIP code 34786 falls within Orange County, Florida.

How educated is the population of ZIP code 34786?

57% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 34786?

The median home value in ZIP code 34786 is $578,400.

What is the median household income in ZIP code 34786?

The median household income in ZIP code 34786 is $120,117, above the national median of ~$75,000.

What is the population of ZIP code 34786?

ZIP code 34786 has an estimated population of 45,914 residents, with a density of 2,314 people per square mile.

What timezone is ZIP code 34786 in?

ZIP code 34786 observes the EST timezone.