Population & age
- Total population
- 45,331
- Median age
- 43.8
Seminole County · Orlando-Kissimmee-Sanford, FL · Population 45,331
Lake Mary, FL (ZIP 32746) sits in Seminole County within the Orlando-Kissimmee-Sanford metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Obesity comes in below the national average at 26.9%. NCES lists 13 schools serving the area, 13 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $20,527. IRS data shows average household income (AGI) of $123,931, well above the ~$45K national average per return. Census ZBP marks the area as a major commercial hub with 2,090 business establishments. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1977 — a high-frequency exposure profile. 29.3% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Orange County, FL (IRS SOI Migration, 2022-2023). Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $103,941, fair market rent of $2,280 for a two-bedroom, and a typical home value of $467,366, down 3.0% 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
$1,910
/month
1 Bed
$2,000
/month
2 Bed
$2,280
/month
3 Bed
$2,860
/month
4 Bed
$3,380
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$467,366
Zillow Home Value Index (ZHVI) · as of March 2026
-3.0%
vs. March 2025
+31.0%
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
2,280
Across 810 permitted buildings. Total construction value: $424.7M.
Single-family
764
34% of total units
Multifamily (2+ unit)
1,516
66% of total units
Single-family value
$320.2M
construction value
Multifamily value
$104.5M
construction value
Apartment construction (5+ unit buildings) accounts for 65% of new units this year — the area is densifying, not just adding single-family stock.
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
22,550
Average AGI
$123,931
Avg property tax
$593
EITC participation
10.1%
Income distribution
Avg mortgage interest
$1,030
Avg charitable contribution
$1,438
Avg capital gains
$11,475
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 $2794.7M across all reported brackets.
Business establishments
2,090
Total employment
43,281
Annual payroll
$3.3B
Average annual pay
$75,341
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
$65,449
Average weekly wage
$1,259
Total employment
213,221
Total establishments
18,029
Average annual pay tracks the US national average of about $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
3.1%
That is 0.9 percentage points below the US national unemployment rate of about 4.0%.
Labor force
277,507
Employed
269,034
Unemployed
8,473
Based on Seminole 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
22
Strong banking access
Multiple institutions and offices within easy reach of residents.
Total deposits
$3.1B
across all branches in this ZIP
Distinct institutions
19
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.
Public EV charging stations
17
Strong EV charging coverage
A robust public-charging footprint, including multiple networks. EV ownership is straightforward even without a home charger.
Level 2 ports
42
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
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
64
across outlets in this ZIP
Avg square feet
12,000
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.
Overall SVI
34th percentile
Moderate Vulnerability
Based on 12 census tracts, population 45,963
Vulnerability Themes
Households Without Vehicle
546
Limited English Speakers
1,077
Persons with Disability
4,503
Without HS Diploma
1,283
Without Health Insurance
3,446
Adults Age 65+
8,035
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.
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
14
Direct help to disaster survivors
Households Program
11
Housing & temporary lodging support
Public Assistance
32
Repair of public facilities & roads
Hazard Mitigation
16
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.
Median daily AQI
43
GoodPeak AQI (2024)
149
Unhealthy for Sensitive Groups
Primary pollutant
Ozone
153 days as main pollutant
Days measured
286
Based on Seminole 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)
7,002
That is roughly 1,198 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
15%
of adults self-report
Poor physical health days
3.7
avg per adult per month
Poor mental health days
5.2
avg per adult per month
Uninsured
11.5%
of residents under 65
Primary care MDs
79
per 100,000 residents
Preventable hospital stays
3,458
per 100K Medicare enrollees
Food environment (0-10)
8.4
10 = best access & security
Exercise access
93%
residents near a facility
Flu vaccinated
44%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Seminole 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
Significant food access concerns
29.3% of Seminole County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.16
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.62
accepting food benefits
Fast-food restaurants
0.79
per 1,000 residents
Among low-income residents, 6.1% 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 Seminole 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)
▼−654 people
−638 households • −$71.7M net AGI flow
Moved in
23,503households
39,150 people • $1.5B AGI
Moved out
24,141households
39,804 people • $1.6B AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $64,351 versus departing households' $65,620.
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.
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
26.9%
6.1pp below the 33.0% national rate.
31.4%
Tracks close to the 32.0% national rate.
15.9%
6.1pp below the 22.0% national rate.
78.9%
2.9pp above the 76.0% national rate.
10.2%
2.8pp below the 13.0% national rate.
10.3%
Tracks close to the 11.0% national rate.
13 schools serve this ZIP, including 13 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| LAKE MARY HIGH SCHOOL | Public | 9–12 | 2,671 |
| MARKHAM WOODS MIDDLE SCHOOL | Public | 6–8 | 1,048 |
| GREENWOOD LAKES MIDDLE SCHOOL | Public | 6–8 | 996 |
| LAKE MARY ELEMENTARY SCHOOL | Public | -1–5 | 851 |
| HEATHROW ELEMENTARY SCHOOL | Public | -1–5 | 734 |
Showing top 5 by enrollment. 8 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
10
Median in-state tuition
$20,527
Median earnings (10 yr)
$39,976
Lake Mary, FL · 32746
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
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.
Lake Mary, FL (ZIP 32746) sits in Seminole County within the Orlando-Kissimmee-Sanford metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Obesity comes in below the national average at 26.9%. NCES lists 13 schools serving the area, 13 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $20,527. IRS data shows average household income (AGI) of $123,931, well above the ~$45K national average per return. Census ZBP marks the area as a major commercial hub with 2,090 business establishments. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1977 — a high-frequency exposure profile. 29.3% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Orange County, FL (IRS SOI Migration, 2022-2023). Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $103,941, fair market rent of $2,280 for a two-bedroom, and a typical home value of $467,366, down 3.0% 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 two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 15.9%. 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.
26.9%, which is 6.1 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
15.9%, which is 6.1 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
31.4%, which is 0.6 percentage points below the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
13 schools serve this ZIP, including 13 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 32746 by NCES CCD (retrieved Apr 26, 2026).
Yes, 5 high schools serve this ZIP: Lake Mary High School, Seminole County Virtual Franchise (scvs), Endeavor School, and 2 more. (NCES CCD, retrieved Apr 26, 2026).
45,331 people live in ZIP 32746, with a median age of 43.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$103,941 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32746, 64.7% of occupied housing units are owner-occupied and 35.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32746, 21.4% of workers work from home. Public transit is used by 0.9% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
6.1% of the population in ZIP 32746 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
96.1% of households in ZIP 32746 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 32746 is $467,366, down 3.0% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 3.0% over the past year and up 31.0% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 32746 (Lake Mary, FL) is $123,931 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 32746 report an average of $593 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
13.7% of tax returns from ZIP 32746 (Lake Mary, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 2,090 business establishments operated in ZIP 32746 employing 43,281 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 32746 is $75,341, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 32746 ranks in the 34th 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 32746, ranking in the 54th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 39 federal disaster declarations affecting ZIP 32746 between 1977–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 32746, accounting for 20 of 39 declarations (51%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 32746 was "HURRICANE MILTON" — a hurricane declared in 2024 (DR-4834) (FEMA OpenFEMA, retrieved May 3, 2026).
10 colleges and universities are listed near ZIP 32746 by the U.S. Department of Education College Scorecard, including Ecpi University - Orlando, Full Sail University, and Seminole State College Of Florida (retrieved May 2, 2026).
Median in-state tuition across 10 nearby institutions is $20,527 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $39,976 ten years after entry (College Scorecard, retrieved May 2, 2026).
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (13 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 (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), and federal disaster declarations from FEMA OpenFEMA (39 on record). 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 (39 on record).
Nearby ZIPs: more ZIP code profiles launching Q3 2026.
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.