ZIP 32137 vs ZIP 32164

This side-by-side compares ZIP 32137 (Palm Coast, FL) and ZIP 32164 (Palm Coast, FL) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 32137 has a population of 37,821 at 247 people per square mile, while ZIP 32164 has 41,616 at 483 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 32137 reports a median household income of $83,923 against $76,399 in ZIP 32164, with per-capita income of $50,745 vs $39,985. The share of adults holding a bachelor's degree or higher is 38.6% in 32137 and 26.1% in 32164. Poverty rate reads 10.4% vs 10.0%, and unemployment 4.4% vs 4.4% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $402,600 in 32137 versus $339,000 in 32164, with median rent of $1,841 and $1,755 per month respectively. Homeownership rate is 86.4% vs 79.6%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.