Palm Coast, FL · standard

ZIP Code 32164

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

41,616
483/sq mi: $76,399
Median income: $339,000
Median home value: 26.1%
Bachelor's or higher

The verdict

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

Top 43%
household income, US ZIPs: Top 28%
home value, US ZIPs: 483
people per sq mi: 80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32164 against every reporting US ZIP.

ZIP code 32164 is classified by USPS as a standard delivery area and covers roughly 86.3 square miles in Palm Coast, Flagler County, Florida. The area is home to 41,616 residents, producing a population density of 483 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 32164 against Florida and the nation.

On the economic side, the median household income for ZIP 32164 sits at $76,399 (1% below the Florida average), while per-capita income is $39,985. The poverty rate stands at 10.0% and the unemployment rate at 4.4%. On housing, the median home value is $339,000 (10% below the state average) with median rent at $1,755 per month, and 79.6% of occupied units are owner-occupied, a direct signal of whether 32164 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 26.1% of adults hold a bachelor's degree or higher, the median age is 47.4, and the average commute is 26 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 3 additional ZIPs sharing Flagler County, so you can benchmark 32164 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 32164

Construction

133
Health care and social assistance

96
Professional, scientific, and technical services

69
Administrative and support and waste management and remediation services

67
Retail trade

65

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, 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 32164, Palm Coast, FL · 2023 Accessed 2026-06-13 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

41,616

Population

86.3

Area (sq mi)

483

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 32164?

47.4

Median Age

48.3%

Male

51.7%

Female

15.6%

Foreign-Born

White 67.2%

African American 12.4%

Asian 2.5%

American Indian or Alaska Native 0.1%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 11.2%

Hispanic or Latino 15.3%

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?

$76,399

Median Household Income

-1% vs state

$39,985

Per Capita Income

10.0%

Poverty Rate

4.4%

Unemployment Rate

25.5 min

Mean Commute Time

How ZIP 32164 ranks nationally

Household income vs. every US ZIP code

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

$76,399 Top 43% higher than 57% of 30,318 US ZIPs

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 57.0%

Bachelor's Degree or Higher 26.1%

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

What does housing look like?

24,135

Total Housing Units

22,363

Occupied Units

1,772

Vacant Units

2.53

Avg Household Size

Occupancy Type

Owner 79.6%

Renter 20.4%

$339,000

Median Home Value

-10% vs state

$1,755

Median Rent

2004

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

+0.5%

YoY Change (2024)

305

HPI Index (2000 = 100)

+205%

Total Change Since 2000

Home values in ZIP 32164 have increased 0.5% over the past year (2024). Since 2000, this ZIP has seen +205% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+5.2%	201
2021	+18.3%	238
2022	+24.8%	297
2023	+2.2%	304
2024	+0.5%	305

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 702 business establishments in ZIP 32164, employing approximately 7,085 people with a combined annual payroll of $340,302,000.

702

Businesses

7,085

Employees

$340.3M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Construction	133	18.9%
Health care and social assistance	96	13.7%
Professional, scientific, and technical services	69	9.8%
Administrative and support and waste management and remediation services	67	9.5%
Retail trade	65	9.3%
Real estate and rental and leasing	49	7.0%
Accommodation and food services	48	6.8%
Other services (except public administration)	42	6.0%
Transportation and warehousing	39	5.6%
Finance and insurance	39	5.6%
Wholesale trade	18	2.6%
Educational services	14	2.0%
Manufacturing	8	1.1%
Arts, entertainment, and recreation	8	1.1%
Information	5	0.7%

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 32164 vs 32137 →

32164

41,616
32137

37,821
32110

7,600
32136

7,080

What this shows Among its immediate neighbors, ZIP 32164 ranks the most populous — useful context the national average alone can't give.

32137

$83,923
32136

$78,818
32164

$76,399
32110

$57,485

What this shows By household income, ZIP 32164 ranks #3 of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
32137	Palm Coast, FL	37,821	6.6 mi
32136	Flagler Beach, FL	7,080	5.1 mi
32110	Bunnell, FL	7,600	8.5 mi

More ZIP Codes in Flagler County

Flagler County Palm Coast, FL Florida

Frequently Asked Questions

What county is ZIP code 32164 in? ▼

ZIP code 32164 (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 32164? ▼

ZIP code 32164 in Palm Coast, FL has a population of 41,616 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 32164? ▼

The median household income in ZIP 32164 is $76,399, which is 0% above the national average of $76,288.

What is the average home value in ZIP 32164? ▼

The median home value in ZIP 32164 is $339,000, which is 22% above the national average of $278,155.

What is the demographic makeup of ZIP 32164? ▼

The largest racial group in ZIP 32164 is White at 67.2%. Hispanic or Latino residents make up 15.3% of the population.

How many businesses are in ZIP code 32164? ▼

ZIP code 32164 has 702 business establishments employing approximately 7,085 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 32164? ▼

The top industries by establishment count in ZIP 32164 are: Construction (133), Health care and social assistance (96), Professional, scientific, and technical services (69). There are 15 industry sectors represented in total.

How have home values changed in ZIP code 32164? ▼

According to the FHFA House Price Index, home values in ZIP 32164 increased by 0.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 205%. 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 32164? ▼

In ZIP code 32164, 57.0% of residents aged 25+ have a high school diploma or higher, and 26.1% 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 32164? ▼

The mean commute time for workers in ZIP code 32164 is 25.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 32164? ▼

In ZIP code 32164, approximately 79.6% of occupied housing units are owner-occupied and 20.4% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 32164? ▼

The poverty rate in ZIP code 32164 is 10.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.