PlainZIP

Palm Coast, FL · standard

ZIP Code 32137

Flagler County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

37,821
247/sq mi
$83,923
Median income
$402,600
Median home value
38.6%
Bachelor's or higher

The verdict

Palm Coast pairs an above-median household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 33%
household income, US ZIPs
Top 20%
home value, US ZIPs
247
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32137 against every reporting US ZIP.

ZIP code 32137 is classified by USPS as a standard delivery area and covers roughly 152.9 square miles in Palm Coast, Flagler County, Florida. The area is home to 37,821 residents, producing a population density of 247 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32137 against Florida and the nation.

On the economic side, the median household income for ZIP 32137 sits at $83,923 (9% above the Florida average), while per-capita income is $50,745. The poverty rate stands at 10.4% and the unemployment rate at 4.4%. On housing, the median home value is $402,600 (7% above the state average) with median rent at $1,841 per month, and 86.4% of occupied units are owner-occupied, a direct signal of whether 32137 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 38.6% of adults hold a bachelor's degree or higher, the median age is 56.9, and the average commute is 30 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 3 additional ZIPs sharing Flagler County, so you can benchmark 32137 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 32137

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32137.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32137, Palm Coast, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

37,821

Population

152.9

Area (sq mi)

247

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32137?

56.9

Median Age

48.5%

Male

51.5%

Female

13.1%

Foreign-Born

White 78.4%
African American 7.1%
Asian 2.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.6%
Hispanic or Latino 10.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$83,923

Median Household Income

+9% vs state

$50,745

Per Capita Income

10.4%

Poverty Rate

4.4%

Unemployment Rate

29.9 min

Mean Commute Time

How ZIP 32137 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$83,923 Top 33% higher than 67% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 62.5%
Bachelor's Degree or Higher 38.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

25,298

Total Housing Units

20,882

Occupied Units

4,416

Vacant Units

2.30

Avg Household Size

Occupancy Type

Owner 86.4%
Renter 13.6%

$402,600

Median Home Value

+7% vs state

$1,841

Median Rent

2001

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+0.7%

YoY Change (2024)

318

HPI Index (2000 = 100)

+218%

Total Change Since 2000

Home values in ZIP 32137 have increased 0.7% over the past year (2024). Since 2000, this ZIP has seen +218% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.6% 200
2021 +18.6% 237
2022 +25.4% 297
2023 +6.2% 316
2024 +0.7% 318

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,229 business establishments in ZIP 32137, employing approximately 9,479 people with a combined annual payroll of $417,609,000.

1,229

Businesses

9,479

Employees

$417.6M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Construction 158 12.9%
Health care and social assistance 148 12.0%
Professional, scientific, and technical services 143 11.6%
Retail trade 140 11.4%
Real estate and rental and leasing 123 10.0%
Other services (except public administration) 103 8.4%
Accommodation and food services 96 7.8%
Administrative and support and waste management and remediation services 92 7.5%
Finance and insurance 75 6.1%
Transportation and warehousing 44 3.6%
Wholesale trade 34 2.8%
Information 19 1.6%
Arts, entertainment, and recreation 19 1.6%
Manufacturing 15 1.2%
Educational services 11 0.9%
Management of companies and enterprises 4 0.3%
Industries not classified 3 0.2%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 32137 vs 32164 →

ZIP 32137 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 32137 ranks #2 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32137 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 32137 ranks the highest of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32164 Palm Coast, FL 41,616 6.6 mi
32136 Flagler Beach, FL 7,080 10.1 mi

More ZIP Codes in Flagler County

32164 standard
Palm Coast, FL
Pop: 41,616
32110 standard
Bunnell, FL
Pop: 7,600
32136 standard
Flagler Beach, FL
Pop: 7,080

Related Areas

Flagler County Palm Coast, FL Florida

Frequently Asked Questions

What county is ZIP code 32137 in? ▼
ZIP code 32137 (Palm Coast) is located in Flagler County, Florida. Flagler County contains multiple ZIP codes, see the full list at /counties/flagler-fl.
What is the population of ZIP code 32137? ▼
ZIP code 32137 in Palm Coast, FL has a population of 37,821 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32137? ▼
The median household income in ZIP 32137 is $83,923, which is 10% above the national average of $76,288.
What is the average home value in ZIP 32137? ▼
The median home value in ZIP 32137 is $402,600, which is 45% above the national average of $278,155.
What is the demographic makeup of ZIP 32137? ▼
The largest racial group in ZIP 32137 is White at 78.4%. Hispanic or Latino residents make up 10.3% of the population.
How many businesses are in ZIP code 32137? ▼
ZIP code 32137 has 1,229 business establishments employing approximately 9,479 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32137? ▼
The top industries by establishment count in ZIP 32137 are: Construction (158), Health care and social assistance (148), Professional, scientific, and technical services (143). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 32137? ▼
According to the FHFA House Price Index, home values in ZIP 32137 increased by 0.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 218%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32137? ▼
In ZIP code 32137, 62.5% of residents aged 25+ have a high school diploma or higher, and 38.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32137? ▼
The mean commute time for workers in ZIP code 32137 is 29.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32137? ▼
In ZIP code 32137, approximately 86.4% of occupied housing units are owner-occupied and 13.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32137? ▼
The poverty rate in ZIP code 32137 is 10.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Palm Coast, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.