ZIP Code 32409 Demographics

Bay County, Florida  ·  ACS 2022 5-Year Estimates

ACS 2022 Data

Population & Income Overview

Key statistics for ZIP code 32409 compared to county averages.

Total Population

10,518

↓ 94.2% vs county

Median HH Income

$56,276

↓ 14.7% vs county

Median Home Value

$173,800

↓ 29.6% vs county

Median Age

43.3 yrs

↓ +5.1% vs county

Unemployment Rate

6.1%

↓ +57.0% vs county

Income & Housing Comparison

How ZIP 32409 compares to Bay County and Florida overall. Data from ACS 2022 5-year estimates.

Median Household Income ZIP 32409 $56k Bay $66k Florida $68k

Source: ACS 2022 5-Year Estimates, Table B19013

Median Home Value ZIP 32409 $174k Bay $247k Florida $292k

Source: ACS 2022 5-Year Estimates, Table B25077

Education & Employment

Bachelor's Rate

14.3%

of adults 25+ hold a bachelor's degree or higher

Owner Occupancy

89.2%

of occupied housing units are owner-occupied

Median Gross Rent

$1,255

per month including utilities

Rent vs. Buy Affordability

Compare estimated monthly costs of home ownership vs renting in ZIP Code 32409 using local Census metrics.

Median Home Value$173,800
Down Payment (20%)$34,760
Interest Rate6.5%
Loan Term

Estimated Monthly Costs

Buy (Mortgage, Tax, Ins.)
$1,104P&I: $879 | Tax: $174 | Ins: $51
Rent (Local Median)
$1,255
Buying is CheaperBuying a home is estimated to save you $151/month compared to local rents.

How Does 32409 Compare?

Enter another ZIP code to see a side-by-side comparison.

Location & Neighboring Areas

Interactive map showing ZIP code 32409 (blue pin) and surrounding areas (purple pins). Click pins to view details.

Nearby ZIP Codes

ZIP codes geographically closest to 32409, sorted by distance.

32444 7.5 mi away bay county 32466 8.9 mi away bay county 32358 67.6 mi away wakulla county

About Bay County

Bay County is located in Florida and has a total population of 181,055. The county's median household income is $65,999 and median home value is $246,800. ZIP code 32409 is one of many ZCTAs within this county.

View all ZIP codes in Bay County

Data source: American Community Survey (ACS) 2022 5-Year Estimates, U.S. Census Bureau. ZCTAs (ZIP Code Tabulation Areas) are used as proxies for USPS ZIP codes. Some USPS ZIP codes may not have a corresponding ZCTA.