Palm Coast, FL · standard
ZIP Code 32164
Flagler County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 41,616
- 483/sq mi High-density area
- $76,399
- Median income Near-median income area
- $339,000
- Median home value Above-median home value
- 26.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 a densely settled ZIP (a standard USPS delivery area) in Palm Coast, Flagler County, Florida, with 41,616 residents across 86.3 square miles, a density of 483 people per square mile, in the New York time zone.
ZIP 32164 lands in the middle-income range, with a median household income of $76,399 (1% below the average Florida ZIP), while per-capita income is $39,985. The poverty rate is 10.0%, with unemployment at 4.4%; those measures add context to the income figure. Median home value is $339,000 (10% below the average Florida ZIP) and median rent is $1,755; 79.6% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 26.1% of adults hold a bachelor's degree or higher, the median age is 47.4, and the average commute is 26 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 3 more in Flagler County, so 32164 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 32164
Top 5 sectors by establishment count in Palm Coast, FL
Which industries have the most business establishments in ZIP 32164.
- Construction
Construction
133 establishments
- Health care and social assistance
Health care and social assistance
96 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
69 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
67 establishments
- Retail trade
Retail trade
65 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32164, Palm Coast, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; 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
Who lives in ZIP 32164?
47.4
Median Age
48.3%
Male
51.7%
Female
15.6%
Foreign-Born
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 ZIP avg
$39,985
Per Capita Income
10.0%
Poverty Rate
4.4%
Unemployment Rate
25.5 min
Mean Commute Time
How ZIP 32164 ranks nationally
Palm Coast, FL 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
24,135housing units
24,135
Total Housing Units
22,363
Occupied Units
1,772
Vacant Units
2.53
Avg Household Size
Occupancy Type
$339,000
Median Home Value
-10% vs state ZIP avg
$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
15
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 →
ZIP 32164 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32164
Palm Coast (32164)
41,616 residents
- 32137
Palm Coast (32137)
37,821 residents
- 32110 7,600
Bunnell (32110)
7,600 residents
- 32136 7,080
Flagler Beach (32136)
7,080 residents
What this shows Among its immediate neighbors, ZIP 32164 ranks the most populous - useful context the national average alone can't give.
ZIP 32164 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32137
Palm Coast (32137)
$83,923 median income
- 32136
Flagler Beach (32136)
$78,818 median income
- 32164
Palm Coast (32164)
$76,399 median income
- 32110
Bunnell (32110)
$57,485 median income
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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32164, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (41,616 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Flagler County
Related Areas
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.
Related
Take this with you
What to do with ZIP 32164's numbers, next.
- See how ZIP 32164 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Palm Coast, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.