Bay County · Florida
ZIP code 32409
- Population
- 10,941
- Median income
- $60,687
- Median home
- $221,500
- Sales tax
- 6%
ZCTA residents
Household, past 12 months
Owner-occupied value
Florida state rate
Quick answer
ZIP 32409 sits in Bay County, Florida and is home to 10,941 people. Median household income is $60,687, the median home is worth $221,500 and median gross rent is $1,097. 91.7% of households own their home, and purchases are taxed at 6% (Florida state rate).
- County
- Bay County
- State
- Florida (FL)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 12005
1,013 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 32409
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 10,941ZIP 32409 residents
- Median household income
- $60,687Past 12 months, inflation adjusted
- Median home value
- $221,500Owner-occupied units
- Median gross rent
- $1,097Rent plus utilities, monthly
- Median age
- 43.8 yrsAll residents
- Homeownership rate
- 91.7%Owner-occupied households
Sales tax in 32409
What a purchase inside this ZIP costs at checkout.
Florida levies 6% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 32409 compares
ZIP 32409 against the median ZIP in Bay County and across Florida.
| Measure | ZIP 32409 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $60,687 | $67,851 | $69,820 | -13% |
| Median home value | $221,500 | $255,100 | $295,700 | -25% |
| Median gross rent | $1,097 | $1,436 | $1,494 | -27% |
| Population | 10,941 | 15,337 | 18,904 | -42% |
Medians are computed across the 12 ZIP areas in Bay County and the 1013 ZIP areas in Florida.
Statewide rank
Where this ZIP places among all 1013 Florida ZIP areas.
- Income
- #643
- Home value
- #688
- Population
- #680
richer than 32% of 948 state ZIPs
above 26% of 935 state ZIPs
larger than 33% of 1,013 state ZIPs
Comparable ZIP codes
Florida ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Bay County.
ZIP 32409 questions
Common questions about this ZIP code.
- Where is ZIP code 32409?
- ZIP 32409 lies mostly in Bay County, Florida. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 32409?
- Florida charges 6% statewide, plus any county, city or district rate that applies locally.
- Is 32409 expensive to live in?
- Median rent runs $1,097 a month, about 22% of median household income, and the median home is worth $221,500 — -25% against the typical Florida ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- Florida Department of Revenue — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.