Population & age
- Total population
- 5,235
- Median age
- 41.0
Dixie County · Population 5,235
Cross City, FL (ZIP 32628) sits in Dixie County. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 40.6%. NCES lists 9 schools serving the area, 9 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $5,129. 28% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $45,652 per worker, roughly 30% below the US average. FEMA has issued 44 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. Annual precipitation averages 57.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,583 years of potential life lost per 100,000 (2025) — well above the national county median. Florida has no state income tax, saving the local median household (AGI $51,976) approximately $2,391/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 579 residents (284 households) — the ZIP's primary county is growing. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $39,835, fair market rent of $1,150 for a two-bedroom, and a typical home value of $161,946, up 1.3% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$870
/month
1 Bed
$880
/month
2 Bed
$1,150
/month
3 Bed
$1,520
/month
4 Bed
$1,520
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$161,946
Zillow Home Value Index (ZHVI) · as of March 2026
+1.3%
vs. March 2025
+33.7%
vs. March 2021
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
49
Across 49 permitted buildings. Total construction value: $4.9M.
Single-family
49
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$4.9M
construction value
Multifamily value
$0
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
1,430
Average AGI
$51,976
Avg property tax
—
EITC participation
28.0%
Income distribution
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
$873
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $74.3M across all reported brackets.
Business establishments
93
Total employment
1,138
Annual payroll
$47.4M
Average annual pay
$41,685
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$45,652
Average weekly wage
$878
Total employment
2,968
Total establishments
284
That is roughly 30% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
4.2%
That is 0.2 percentage points above the US national unemployment rate of about 4.0%.
Labor force
5,904
Employed
5,657
Unemployed
247
Based on Dixie County, FL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
3
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$211.3M
across all branches in this ZIP
Distinct institutions
3
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Federally funded health-center sites
1
Single health-center site
One federally funded community health center serves this ZIP. Residents who need same-day care or specialty services may rely on neighboring ZIPs.
FQHC sites
1
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
40
across sites in this ZIP
Sites in this ZIP
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
45
across outlets in this ZIP
Avg square feet
6,700
per outlet
Outlets in this ZIP
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federally Declared Disasters
44
Date Range
1972–2024
Most Recent Declaration
HURRICANE MILTON
Hurricane — declared October 11, 2024 (DR-4834)
Incident period: October 5, 2024 – November 2, 2024
Top Incident Types
Individual Assistance
13
Direct help to disaster survivors
Households Program
11
Housing & temporary lodging support
Public Assistance
41
Repair of public facilities & roads
Hazard Mitigation
18
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
68.2°F
56.3° – 80.1°
Annual precipitation
57.9"
Diurnal range
23.8°F
Day-night swing
Heating · cooling days
1,372.5 · 2,566.5
Annual base 65°F
Nearest station: CROSS CITY 1 E, FL US, 3.7 miles from the centroid of Cross City, FL (ZIP 32628)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Years of potential life lost (per 100K)
12,583
That is roughly 4,383 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
25%
of adults self-report
Poor physical health days
5.2
avg per adult per month
Poor mental health days
6.5
avg per adult per month
Uninsured
14.8%
of residents under 65
Primary care MDs
23
per 100,000 residents
Preventable hospital stays
5,144
per 100K Medicare enrollees
Food environment (0-10)
7.6
10 = best access & security
Exercise access
35%
residents near a facility
Flu vaccinated
28%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 11.0% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Dixie data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Good food access — most residents near a store
8.6% of Dixie County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.18
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.20
accepting food benefits
Fast-food restaurants
0.41
per 1,000 residents
Among low-income residents, 3.0% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Dixie County, FL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Net migration (2022-2023)
▲+579 people
+284 households • +$15.7M net AGI flow
Moved in
656households
1,300 people • $30.5M AGI
Moved out
372households
721 people • $14.8M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $46,514 versus departing households' $39,804.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 32628. Numbers reflect the most recent published year per source.
Income tax
None
No state income tax
Sales tax (combined)
6.98%
State 6.00% · avg local 0.98%
Property tax (effective)
0.50%
Median $787/year
Tax burden rank
8 of 50
8.90% of personal income
For ZIP 32628: A household at this ZIP's median AGI of $51,976 keeps approximately $2,391 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $161,946, that works out to roughly $817/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Nearby ZIPs by distance
32680 (7.6 mi) · 32648 (Horseshoe Beach, 11.5 mi) · 32359 (Steinhatchee, 12.8 mi) · 32619 (Bell, 19.1 mi) · 32356 (20.8 mi) · 32692 (22.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
37.2%
4.2pp above the 33.0% national rate.
40.6%
8.6pp above the 32.0% national rate.
18.4%
3.6pp below the 22.0% national rate.
74.0%
2.0pp below the 76.0% national rate.
18.5%
5.5pp above the 13.0% national rate.
14.7%
3.7pp above the 11.0% national rate.
9 schools serve this ZIP, including 9 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| DIXIE COUNTY HIGH SCHOOL | Public | 9–12 | 482 |
| RUTH RAINS MIDDLE SCHOOL | Public | 6–8 | 462 |
| JAMES M. ANDERSON ELEMENTARY SCHOOL | Public | -1–5 | 402 |
| KINDER CUB SCHOOL INC | Public | -1–2 | 122 |
| DIXIE VIRTUAL FRANCHISE | Public | 0–12 | 99 |
Showing top 5 by enrollment. 4 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Colleges in this area
8
Median in-state tuition
$5,129
Median earnings (10 yr)
$41,631
Gainesville, FL · 32611
Gainesville, FL · 32606
Gainesville, FL · 32611
Gainesville, FL · 32607
Gainesville, FL · 32607
Gainesville, FL · 32601
Gainesville, FL · 32608
Gainesville, FL · 32601
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Cross City, FL (ZIP 32628) sits in Dixie County. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 40.6%. NCES lists 9 schools serving the area, 9 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $5,129. 28% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $45,652 per worker, roughly 30% below the US average. FEMA has issued 44 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. Annual precipitation averages 57.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,583 years of potential life lost per 100,000 (2025) — well above the national county median. Florida has no state income tax, saving the local median household (AGI $51,976) approximately $2,391/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 579 residents (284 households) — the ZIP's primary county is growing. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $39,835, fair market rent of $1,150 for a two-bedroom, and a typical home value of $161,946, up 1.3% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These readings invert. Education density is the headline; healthcare access numbers suggest provider choice and coverage are worth shopping carefully. The two domains don’t move together at the ZIP level — both deserve their own due diligence rather than a single judgment.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 18.4%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
37.2%, which is 4.2 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
18.4%, which is 3.6 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
40.6%, which is 8.6 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
9 schools serve this ZIP, including 9 public schools (NCES CCD, retrieved Apr 26, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 32628 by NCES CCD (retrieved Apr 26, 2026).
Yes, 4 high schools serve this ZIP: Dixie County High School, Dixie Virtual Franchise, Dixie Virtual Instruction (course Offerings), and 1 more. (NCES CCD, retrieved Apr 26, 2026).
5,235 people live in ZIP 32628, with a median age of 41.0 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$39,835 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32628, 78.8% of occupied housing units are owner-occupied and 21.2% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32628, 7.5% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
14.6% of the population in ZIP 32628 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
76.0% of households in ZIP 32628 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 32628 is $161,946, up 1.3% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are up 1.3% over the past year and up 33.7% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 32628 (Cross City, FL) is $51,976 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 32628 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
1.4% of tax returns from ZIP 32628 (Cross City, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 93 business establishments operated in ZIP 32628 employing 1,138 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 32628 is $41,685, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 32628 ranks in the 73th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 32628, ranking in the 81th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 44 federal disaster declarations affecting ZIP 32628 between 1972–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 32628, accounting for 22 of 44 declarations (50%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 32628 was "HURRICANE MILTON" — a hurricane declared in 2024 (DR-4834) (FEMA OpenFEMA, retrieved May 3, 2026).
8 colleges and universities are listed near ZIP 32628 by the U.S. Department of Education College Scorecard, including University Of Florida, Santa Fe College, and University Of Florida-Online (retrieved May 2, 2026).
Median in-state tuition across 8 nearby institutions is $5,129 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $41,631 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 32628 has an average annual temperature of 68.2°F and 57.9" of annual precipitation based on the CROSS CITY 1 E, FL US weather station 3.7 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Florida has no state income tax. For a household earning the local median AGI of $51,976, this saves approximately $2,391 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 6.98% (Tax Foundation 2025).
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (9 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (8 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (44 on record), climate normals from NOAA NCEI (1991-2020), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 26, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (44 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Nearby ZIPs by distance
32680 (7.6 mi) · 32648 (Horseshoe Beach, 11.5 mi) · 32359 (Steinhatchee, 12.8 mi) · 32619 (Bell, 19.1 mi) · 32356 (20.8 mi) · 32692 (22.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 32628?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
73rd percentile
High Vulnerability
Based on 3 census tracts, population 5,825
Vulnerability Themes
Households Without Vehicle
111
Limited English Speakers
80
Persons with Disability
1,101
Without HS Diploma
853
Without Health Insurance
557
Adults Age 65+
1,164
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.