ZIP 32437 vs ZIP 32413

This side-by-side compares ZIP 32437 (Ebro, FL) and ZIP 32413 (Panama City Beach, FL) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 32437 has a population of 679 at 8 people per square mile, while ZIP 32413 has 13,128 at 69 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 32437 reports a median household income of $46,477 against $80,039 in ZIP 32413, with per-capita income of $31,432 vs $56,820. The share of adults holding a bachelor's degree or higher is 5.7% in 32437 and 36.8% in 32413. Poverty rate reads 21.0% vs 9.7%, and unemployment 2.6% vs 4.0% — 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 $183,800 in 32437 versus $441,300 in 32413, with median rent of $967 and $1,702 per month respectively. Homeownership rate is 74.6% vs 70.2%. 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.