ZIP 32431 vs ZIP 32440

This side-by-side compares ZIP 32431 (Cottondale, FL) and ZIP 32440 (Graceville, FL) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 32431 has a population of 4,983 at 18 people per square mile, while ZIP 32440 has 7,563 at 28 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 32431 reports a median household income of $55,293 against $59,246 in ZIP 32440, with per-capita income of $25,101 vs $20,003. The share of adults holding a bachelor's degree or higher is 16.6% in 32431 and 15.8% in 32440. Poverty rate reads 15.3% vs 22.6%, and unemployment 5.0% vs 1.8% — 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 $136,200 in 32431 versus $115,700 in 32440, with median rent of $1,108 and $832 per month respectively. Homeownership rate is 76.8% vs 67.6%. 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.