Population & age
- Total population
- 1,545
- Median age
- 44.3
Orange County · Orlando-Kissimmee-Sanford, FL · Population 1,545
Christmas, FL (ZIP 32709) sits in Orange County within the Orlando-Kissimmee-Sanford metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Depression comes in below the national average at 18.4%. No NCES schools are mapped to this ZIP in the current dataset. 10 colleges and universities serve the area, with median in-state tuition of $18,390. IRS data shows average household income (AGI) of $65,928, well above the ~$45K national average per return. Federal QCEW filings show 949,918 covered jobs in this ZIP's primary county — a major regional employment hub. The CDC SVI flags racial & ethnic minority (66th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 29th-percentile score. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1977 — a high-frequency exposure profile. Annual precipitation averages 55.2" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Florida has no state income tax, saving the local median household (AGI $65,928) approximately $3,033/year vs the US average effective state tax rate. New residents arriving here predominantly come from Seminole County, FL (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $92,550, fair market rent of $1,670 for a two-bedroom, and a typical home value of $475,596, roughly flat 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
$1,320
/month
1 Bed
$1,450
/month
2 Bed
$1,670
/month
3 Bed
$2,190
/month
4 Bed
$2,530
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$475,596
Zillow Home Value Index (ZHVI) · as of March 2026
0.0%
vs. March 2025
+50.0%
vs. March 2021
Orlando-Kissimmee-Sanford, FL
Metropolitan statistical area
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
8,052
Across 4,916 permitted buildings. Total construction value: $2.27B.
Single-family
4,810
60% of total units
Multifamily (2+ unit)
3,242
40% of total units
Single-family value
$1.73B
construction value
Multifamily value
$544.9M
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
1,240
Average AGI
$65,928
Avg property tax
$110
EITC participation
21.0%
Income distribution
Avg mortgage interest
—
Avg charitable contribution
$373
Avg capital gains
$1,232
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 $81.8M across all reported brackets.
Business establishments
39
Total employment
148
Annual payroll
$5.8M
Average annual pay
$39,520
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
$67,805
Average weekly wage
$1,304
Total employment
949,918
Total establishments
56,038
That is roughly 4% above 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
3.3%
That is 0.7 percentage points below the US national unemployment rate of about 4.0%.
Labor force
824,458
Employed
797,663
Unemployed
26,795
Based on Orange 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.
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Leesburg--Eustis--Tavares, FL
Reporting agencies
3
Largest: Central Florida Commuter Rail
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federally Declared Disasters
39
Date Range
1977–2024
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
9
Housing & temporary lodging support
Public Assistance
31
Repair of public facilities & roads
Hazard Mitigation
14
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
72.3°F
64.3° – 80.2°
Annual precipitation
55.2"
Diurnal range
15.9°F
Day-night swing
Heating · cooling days
605.1 · 3,274.6
Annual base 65°F
Nearest station: TITUSVILLE, FL US, 12 miles from the centroid of Christmas, FL (ZIP 32709)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Median daily AQI
41
GoodPeak AQI (2024)
121
Unhealthy for Sensitive Groups
Primary pollutant
Ozone
214 days as main pollutant
Days measured
360
Based on Orange County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
7,030
That is roughly 1,170 years per 100,000 below 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
18%
of adults self-report
Poor physical health days
4.2
avg per adult per month
Poor mental health days
5.7
avg per adult per month
Uninsured
13.2%
of residents under 65
Primary care MDs
93
per 100,000 residents
Preventable hospital stays
3,838
per 100K Medicare enrollees
Food environment (0-10)
8.0
10 = best access & security
Exercise access
91%
residents near a facility
Flu vaccinated
41%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.0% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Orange 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
Moderate food access challenges
22.1% of Orange County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.17
per 1,000 residents
Supercenters & clubs
0.02
per 1,000 residents
SNAP-authorized stores
0.68
accepting food benefits
Fast-food restaurants
0.85
per 1,000 residents
Among low-income residents, 7.2% 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 Orange 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)
▼−9,474 people
−3,818 households • +$90.8M net AGI flow
Moved in
57,730households
93,601 people • $3.9B AGI
Moved out
61,548households
103,075 people • $3.8B AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $66,812 versus departing households' $61,193.
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 32709. 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 32709: A household at this ZIP's median AGI of $65,928 keeps approximately $3,033 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $475,596, that works out to roughly $2,399/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
32833 (Wedgefield, 7.6 mi) · 32927 (Port St. John, 9.6 mi) · 32796 (Titusville, 10.9 mi) · 32780 (Titusville, 11 mi) · 32766 (Oviedo, 11.3 mi) · 32831 (11.4 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.
31.4%
Tracks close to the 33.0% national rate.
34.3%
2.3pp above the 32.0% national rate.
18.4%
3.6pp below the 22.0% national rate.
77.4%
Tracks close to the 76.0% national rate.
11.3%
Tracks close to the 13.0% national rate.
11.4%
Tracks close to the 11.0% national rate.
Colleges in this area
10
Median in-state tuition
$18,390
Median earnings (10 yr)
$37,564
Winter Park, FL · 32792
Sanford, FL · 32773
Winter Park, FL · 32789
DeLand, FL · 32723
Eustis, FL · 32726
Winter Park, FL · 32792
Altamonte Springs, FL · 32701
Casselberry, FL · 32707
Winter Park, FL · 32789
Altamonte Springs, FL · 32714
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.
Christmas, FL (ZIP 32709) sits in Orange County within the Orlando-Kissimmee-Sanford metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Depression comes in below the national average at 18.4%. No NCES schools are mapped to this ZIP in the current dataset. 10 colleges and universities serve the area, with median in-state tuition of $18,390. IRS data shows average household income (AGI) of $65,928, well above the ~$45K national average per return. Federal QCEW filings show 949,918 covered jobs in this ZIP's primary county — a major regional employment hub. The CDC SVI flags racial & ethnic minority (66th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 29th-percentile score. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1977 — a high-frequency exposure profile. Annual precipitation averages 55.2" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Florida has no state income tax, saving the local median household (AGI $65,928) approximately $3,033/year vs the US average effective state tax rate. New residents arriving here predominantly come from Seminole County, FL (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $92,550, fair market rent of $1,670 for a two-bedroom, and a typical home value of $475,596, roughly flat 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.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
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.
31.4%, which is 1.6 percentage points below 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).
34.3%, which is 2.3 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
1,545 people live in ZIP 32709, with a median age of 44.3 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$92,550 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32709, 82.8% of occupied housing units are owner-occupied and 17.2% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32709, 1.5% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
5.2% of the population in ZIP 32709 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
87.0% of households in ZIP 32709 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 32709 is $475,596, roughly flat from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are roughly flat over the past year and up 50.0% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 32709 (Christmas, FL) is $65,928 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 32709 report an average of $110 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
3.2% of tax returns from ZIP 32709 (Christmas, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 39 business establishments operated in ZIP 32709 employing 148 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 32709 is $39,520, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 32709 ranks in the 29th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Racial & Ethnic Minority Status is the highest-scoring CDC SVI theme for ZIP 32709, ranking in the 66th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 39 federal disaster declarations affecting ZIP 32709 between 1977–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 32709, accounting for 19 of 39 declarations (49%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 32709 was "HURRICANE MILTON" — a hurricane declared in 2024 (DR-4834) (FEMA OpenFEMA, retrieved May 3, 2026).
10 colleges and universities are listed near ZIP 32709 by the U.S. Department of Education College Scorecard, including Full Sail University, Seminole State College Of Florida, and Rollins College (retrieved May 2, 2026).
Median in-state tuition across 10 nearby institutions is $18,390 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $37,564 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 32709 has an average annual temperature of 72.3°F and 55.2" of annual precipitation based on the TITUSVILLE, FL US weather station 12.0 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 32709 is part of the Leesburg--Eustis--Tavares, FL urbanized area, primarily served by Central Florida Commuter Rail (National Transit Database 2024, retrieved May 4, 2026).
Florida has no state income tax. For a household earning the local median AGI of $65,928, this saves approximately $3,033 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), 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 (10 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 (39 on record), climate normals from NOAA NCEI (1991-2020), public transit coverage from the National Transit Database (2024), 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. 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 (39 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Nearby ZIPs by distance
32833 (Wedgefield, 7.6 mi) · 32927 (Port St. John, 9.6 mi) · 32796 (Titusville, 10.9 mi) · 32780 (Titusville, 11 mi) · 32766 (Oviedo, 11.3 mi) · 32831 (11.4 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 32709?
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
29th percentile
Moderate Vulnerability
Based on 3 census tracts, population 13,758
Vulnerability Themes
Households Without Vehicle
212
Limited English Speakers
344
Persons with Disability
1,065
Without HS Diploma
755
Without Health Insurance
1,468
Adults Age 65+
1,706
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.