ZIP code 32564

ZIP 32564 is a small town in Santa Rosa County, Florida, with 1,958 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #883 of 1,013 ranked by population — larger than 12% of them. The median age here is 47.8 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 32564 earn a median of $68,170 a year, 13.2% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 9.2% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 32564 is valued at $123,700, 59.2% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 1.8×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 78.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

The Census withheld gross rent for ZIP 32564 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 32564 is tabulated inside Santa Rosa County, Florida, one of 8 ZIP areas the Census publishes for that county and 1,013 across Florida. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 32564 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 32564 reports a median household income of $68,170, 20% below the $84,957 county median, and close to the $69,820 typical FL ZIP. Owner-occupied homes are valued at a median of $123,700, 49% below the county figure and 58% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Florida charges 6% statewide, and local governments overlapping 32564 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 32564 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.