ZIP Code 34786: Population, Income, Housing

State: FL
Total population: 42,358 Household income: $134,214 Rent: $2,318

Overview

Total population
42,358
Rent
$2,318
Year built
2006
Household income
$134,214
Per capita income
$73,333
Poverty rate
5.5%
Unemployment rate
N/A
Household size
2.8 persons
Rent over 30% of income
50.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Florida
County
Orange County
City
Windermere
Total population
42,358
Adults over 25
28,873
Total households
15,026
Household size
2.8 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$134,214
Per capita income
$73,333
Poverty rate
5.5%
Unemployment rate
N/A
Rent over 30% of income
50.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$2,318
Year built
2006
Households that rent
28.5%
Households that own
71.5%
Rooms per home (all homes)
7.1

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
60.7%
Black
4.3%
Asian
11.4%
Two or more races
19.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
17%
Not Hispanic or Latino
83%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
15,651 (73.5%)
Commute time to work
27 mins
Work from home
5,633 (26.5%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
18.6%
High school graduate or GED
9.5%
Some college or associate degree
12%
Bachelor’s degree or higher
59.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 34786 with: Orange County, FL Orlando metro area, FL Florida United States

ZIP 34786

Total population42,358
Rent$2,318
Year built2006
Household income$134,214
Per capita income$73,333
Poverty rate5.5%
Unemployment rateN/A

Orange County, FL

Total population1,471,937
Rent$1,775
Year built1994
Household income$79,719
Per capita income$41,160
Poverty rate13%
Unemployment rate3%

Orlando Metro Area, FL

Total population2,793,746
Rent$1,760
Year built1995
Household income$78,533
Per capita income$40,221
Poverty rate11.7%
Unemployment rate3.3%

Florida State

Total population22,416,077
Rent$1,669
Year built1988
Household income$74,568
Per capita income$42,609
Poverty rate12.6%
Unemployment rate3.4%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP34786 CountyOrange, FLMetro AreaOrlando metro area, FLStateFloridaCountryUnited States
Total population42,3581,471,9372,793,74622,416,077334,922,499
Rent$2,318$1,775$1,760$1,669$1,413
Year built20061994199519881980
Household income$134,214$79,719$78,533$74,568$80,734
Per capita income$73,333$41,160$40,221$42,609$44,673
Poverty rate5.5%13%11.7%12.6%12.5%
Unemployment rateN/A3%3.3%3.4%4%

View the full multi-level comparison →

 

Loading...

 

Summary for 34786

Rent & Income

In 34786, the typical monthly rent is $2,318 and the typical household income is $134,214. Rent here is higher than Florida, and household income is higher than Florida. The estimated poverty rate is 5.5%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 28.5% of households. About 50.2% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 59.9% of adults holding a bachelor’s degree or higher.

 

ZIP 34786 — Rent vs Household Income

 

 

ZIP 34786 — Poverty

 

 

How ZIP 34786 compares in Florida (299 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $2,318 285 / 299 from lower rent $999 – $3,263
Household income $134,214 6 / 299 from higher income $30,514 – $176,641
Poverty rate 5.5% 16 / 299 from lower poverty 2.8% – 48.7%

Rankings are calculated among ZIP Codes in Florida with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 34786

Rent

In terms of rental prices, this ZIP stands 285th out of 299 ZIP Codes in Florida. Across Florida, figures vary from $999 in ZIP 34142 up to $3,263 in ZIP 33076.

Household income

When comparing household incomes, ZIP Code 34786 stands 6th out of 299 ZIP Codes. Throughout Florida, numbers span from $30,514 in ZIP 32209 up to $176,641 in ZIP 33076.

Poverty rate

Looking at poverty indicators, this ZIP stands 16th out of 299 ZIP Codes. At the state level, values extend from 2.8% in ZIP 32259 up to 48.7% in ZIP 32304.

 

💰 Rent in ZIP Code 34786 (with Utilities)

Estimated Monthly Rent: $2,318 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 34786

Annual Household Income: $134,214

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 34786

Estimated Rate: 5.5%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 34786

In ZIP Code 34786, households that rent: 4,281 (28.5%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 4,281 28.5%
Owner-Occupied 10,745 71.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 34786

In ZIP Code 34786, cost-burdened renters (households spending over 30% of income on housing): 2,147 (50.2%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 2,147 50.2%
Other renter households 2,134 49.8%
Total renter households 4,281 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 34786

Less than High School: 5,380 people (18.6%)

Includes adults who did not complete high school.

High School Graduate or GED: 2,735 people (9.5%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 3,453 people (12%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 17,305 people (59.9%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 28,873

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.