32097 ZIP Code — Yulee, FL

Nassau County, Florida

ZIP code 32097 is located in Yulee, Florida, within Nassau County. It covers approximately 124.72 square miles and serves a population of 21,778 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 904.

About ZIP code 32097

The housing stock consists of predominantly single-family detached homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $266,400. Owner-occupancy is high at 79%, well above the national average.

Median household income is $83,933. 36% 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 29 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (20%) 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 32097 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

21,778

population

124.72

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32097 ZIP code map

Cities in ZIP code 32097

Below are the cities the US Postal Service accepts for ZIP code 32097. Using any city not on this list may result in mail delivery delays.

City	Status
Yulee	Acceptable
Yulee	Preferred

Nearby ZIP codes

32034 Fernandina Beach (7.9 mi) 32218 Jacksonville (11.1 mi) 32011 Callahan (11.4 mi) 32226 Jacksonville (13.3 mi) 31548 Kingsland (13.7 mi) 32046 Hilliard (14.7 mi) 31558 Saint Marys (15.1 mi) 32208 Jacksonville (17.5 mi) 31569 Woodbine (18.5 mi) 32219 Jacksonville (18.5 mi) 32277 Jacksonville (18.9 mi) 32209 Jacksonville (19.9 mi)

Demographics updated 05/2026

Population
Total population	21,778
Population density	175 / sq mi
State FIPS	12
County FIPS	089

Geography
Land area	124.72 sq mi
Water area	2.93 sq mi
Latitude	30.6453
Longitude	-81.6361
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	34.9%	32.5%	43.4%
$50k – $100k	39.0%	33.8%	30.8%
$100k – $200k	23.6%	24.7%	19.3%
Over $200k	2.5%	8.9%	6.4%

Demographics & statistics

21,778

Population

175

People per sq mi

37.7

Median age

$83,933

Median household income

$36,437

Per capita income

$266,400

Median home value

$1,585

Median monthly rent

78.8%

Home ownership

11.3%

Poverty rate

2.7%

Unemployment

7,106

Housing units

22.1%

Bachelor's or higher

Age distribution

Male Female

761

Under 5

668

494

5–9

434

839

10–14

737

684

15–19

600

695

20–24

611

1,787

25–34

1,568

1,647

35–44

1,446

1,548

45–54

1,360

721

55–59

633

665

60–64

584

1,094

65–74

961

517

75–84

453

144

85+

127

← Male

Female →

Age summary

Group	Count	%
Under 18	4,815	22.1%
18 and over	16,963	77.9%
65 and over	3,296	15.1%
Median age	37.7 years

Race & ethnicity

White 77.2%

Black or African American 7.9%

Two or more races 7.6%

Hispanic or Latino 4.1%

Other race 1.8%

Asian 0.7%

American Indian / Alaska Native 0.6%

Group	Count	%
White	17,523	77.2%
Black or African American	1,783	7.9%
Two or more races	1,733	7.6%
Hispanic or Latino	929	4.1%
Other race	419	1.8%
Asian	170	0.7%
American Indian / Alaska Native	143	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.9%	32.5%	43.4%
$50k – $100k	39.0%	33.8%	30.8%
$100k – $200k	23.6%	24.7%	19.3%
Over $200k	2.5%	8.9%	6.4%

Under $10k 3.3%

$10k–$15k 5.2%

$15k–$25k 4.4%

$25k–$35k 4.2%

$35k–$50k 12.0%

$50k–$75k 15.0%

$75k–$100k 21.0%

$100k–$150k 21.0%

$150k–$200k 6.8%

$200k+ 7.0%

Range	% of households
Under $10k	3.3%
$10k–$15k	5.2%
$15k–$25k	4.4%
$25k–$35k	4.2%
$35k–$50k	12.0%
$50k–$75k	15.0%
$75k–$100k	21.0%
$100k–$150k	21.0%
$150k–$200k	6.8%
$200k+	7.0%
Median income	$83,933

Housing

Home values

Under $50k 3.0%

$50k–$100k 6.2%

$100k–$150k 6.2%

$150k–$200k 11.7%

$200k–$300k 42.7%

$300k–$500k 26.4%

$500k–$1M 3.5%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$266,400
Median rent / month	$1,585
Owner occupied	78.8%
Renter occupied	21.2%
Vacant	7.2%
Single-family detached	70.7%
Large apartment buildings	3.9%
Mobile homes	22.0%
Median rooms	5.9
Avg household size (owned)	2.63

Year built

Era	%
2020 or later	4.2%
2010–2019	31.1%
2000–2009	25.4%
1990–1999	20.0%
1980–1989	7.5%
1970–1979	6.5%
1960–1969	2.7%
1950–1959	1.8%
1940–1949	0.0%
1939 or earlier	0.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	2.7%
2 bedrooms	10.5%
3 bedrooms	57.1%
4 bedrooms	27.4%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	29.6%
2 vehicles	43.3%
3 or more	25.1%

Heating fuel

Fuel type	%
Utility gas	2.3%
Electricity	93.5%
Propane / LP gas	2.0%
Fuel oil	0.2%
Solar	0.5%
No fuel used	1.6%

Households & families

Household type	Count	%
Married-couple family	4,528	55.2%
Cohabiting couple	677	8.2%
Male householder, no spouse	1,395	17.0%
Female householder, no spouse	1,610	19.6%
Households with children under 18	2,937	35.8%
Households with seniors (65+)	2,476	30.2%
Average household size	2.62

Marital status

Status	Male	Female
Never married	32.1%	19.8%
Married	52.0%	58.5%
Separated	1.5%	2.0%
Widowed	2.7%	7.5%
Divorced	11.7%	12.2%

Education

Less than 9th grade 3.3%

Some HS, no diploma 7.0%

HS graduate 33.1%

Some college, no degree 23.1%

Associate's degree 11.5%

Bachelor's degree 15.2%

Graduate / professional 6.9%

Metric	%
HS diploma or higher	89.7%
Bachelor's or higher	22.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	251	5.5%
Kindergarten	223	4.9%
Elementary school	1,987	43.9%
High school	1,099	24.3%
College / grad school	967	21.4%

Employment

Industry of employment

Education & healthcare 14.3%

Arts, food & hospitality 12.8%

Manufacturing 12.3%

Professional & management 10.9%

Retail trade 10.8%

Finance & real estate 9.4%

Transportation & utilities 7.9%

Public administration 6.4%

Construction 5.1%

Information 4.2%

Other services 3.9%

Wholesale trade 1.8%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	33.9%
Service	15.6%
Sales & office	23.4%
Natural resources & construction	13.4%
Production & transportation	13.7%

Employment type

Type	%
Private sector	82.3%
Government	14.3%
Self-employed	3.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.0%
Carpool	6.7%
Public transit	0.3%
Walk	1.8%
Work from home	8.6%
Other means	1.7%
Avg commute (minutes)	28.7

Poverty

All people 11.3%

Under 18 years 15.0%

18 and over 10.3%

Married-couple families 3.7%

Female-led households 32.1%

Income support

Source	% of households
Social Security	36.2%
Retirement income	27.5%
Supplemental Security	4.4%
Cash public assistance	2.4%
Food stamps / SNAP	9.3%

Health indicators

Condition	%
Obesity	31.5%
High blood pressure	30.9%
High cholesterol	31.0%
Diabetes	9.5%
Heart disease	5.6%
Stroke	2.8%
Asthma	8.9%
Arthritis	23.0%
Kidney disease	2.6%
Pulmonary disease	7.8%
Cancer	5.9%

Behavior / access	%
Smoking	20.2%
Binge drinking	17.7%
No physical activity	22.7%
Less than 7 hrs sleep	32.4%
Depression	21.0%
Fair or poor health	14.7%
Poor mental health	16.9%
Poor physical health	11.1%
No health insurance	19.3%
Visited doctor (checkup)	73.1%
Visited dentist	58.1%
Cholesterol screening	89.3%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,849	11.1%

Disability	%
Any disability	19.1%
Under 18	10.1%
18–64 years	15.1%
65 and over	47.8%

Health insurance coverage

Type	%
Private insurance	71.3%
Public insurance	31.8%
No insurance	9.4%
Uninsured under 19	5.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	20,349	93.4%
Spanish	370	1.8%
Other Indo-European	229	1.1%
Asian & Pacific Islander	110	0.5%
Other languages	31	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	21,038	96.6%
Born in same state	20,575	94.5%
Born in different state	10,415	47.8%
Foreign born	463	2.1%
Naturalized citizen	740	3.4%
Not a US citizen	590	79.7%

Ancestry

Ancestry	Count	%
Arab	4,116	18.9%
French	2,672	12.3%
Italian	1,719	7.9%
Polish	159	0.7%

Ancestry	Count	%
English	138	0.6%
Irish	103	0.5%
German	52	0.2%
Norwegian	25	0.1%

Technology access

Metric	% of households
Computer access	37.7%
Internet access	98.4%

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

Frequently asked questions about ZIP code 32097

What city is ZIP code 32097 in?

ZIP code 32097 is primarily assigned to Yulee, Florida.

What county is ZIP code 32097 in?

ZIP code 32097 falls within Nassau County, Florida.

Does ZIP code 32097 have a large veteran population?

11% of civilians in ZIP code 32097 are veterans, above the national average of ~7%.

Does ZIP code 32097 have a large retiree population?

36% of households in ZIP code 32097 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 32097?

ZIP code 32097 has an estimated population of 21,778 residents, with a density of 175 people per square mile.

What is the median household income in ZIP code 32097?

The median household income in ZIP code 32097 is $83,933, above the national median of ~$75,000.

What timezone is ZIP code 32097 in?

ZIP code 32097 observes the EST timezone.