ZIP 32164 vs ZIP 32137

This side-by-side compares ZIP 32164 (Palm Coast, FL) and ZIP 32137 (Palm Coast, FL) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 32164 has a population of 41,616 at 483 people per square mile, while ZIP 32137 has 37,821 at 247 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 32164 reports a median household income of $76,399 against $83,923 in ZIP 32137, with per-capita income of $39,985 vs $50,745. The share of adults holding a bachelor's degree or higher is 26.1% in 32164 and 38.6% in 32137. Poverty rate reads 10.0% vs 10.4%, 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 $339,000 in 32164 versus $402,600 in 32137, with median rent of $1,755 and $1,841 per month respectively. Homeownership rate is 79.6% vs 86.4%. 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.