Cottondale, FL · standard
ZIP Code 32431
Jackson County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,983
- 18/sq mi Moderate-density area
- $55,293
- Median income Below-median income area
- $136,200
- Median home value Below-median home value
- 16.6%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Cottondale pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 21st pct
- household income, US ZIPs
- 21st pct
- home value, US ZIPs
- 18
- people per sq mi
- 77%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32431 against every reporting US ZIP.
ZIP code 32431 covers 275.3 square miles in Cottondale, Jackson County, Florida (a standard USPS delivery area), with a modest 4,983 residents on file, a density of 18 people per square mile, in the Chicago time zone.
ZIP 32431 reports a modest median household income of $55,293 (28% below the average Florida ZIP), while per-capita income is $25,101. The poverty rate is 15.3%, with unemployment at 5.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $136,200 (64% below the average Florida ZIP), and median rent is $1,108; owner occupancy is 76.8%.
Educational attainment sits below the national norm: 16.6% of adults hold a bachelor's degree or higher, the median age is 44.4, and the average commute is 27 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Jackson County, so 32431 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 32431
Top 5 sectors by establishment count in Cottondale, FL
Which industries have the most business establishments in ZIP 32431.
- Retail trade
Retail trade
13 establishments
- Construction
Construction
11 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
7 establishments
- Other services (except public administration)
Other services (except public administration)
6 establishments
- Transportation and warehousing 4
Transportation and warehousing
4 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 32431, Cottondale, 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
4,983
Population
275.3
Area (sq mi)
18
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 32431?
44.4
Median Age
49.0%
Male
51.0%
Female
1.8%
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?
$55,293
Median Household Income
-28% vs state ZIP avg
$25,101
Per Capita Income
15.3%
Poverty Rate
5.0%
Unemployment Rate
27.0 min
Mean Commute Time
How ZIP 32431 ranks among Florida ZIPs
Cottondale, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$55,293 18th percentile higher than 18% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida 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
2,288housing units
2,288
Total Housing Units
1,844
Occupied Units
444
Vacant Units
2.54
Avg Household Size
Occupancy Type
$136,200
Median Home Value
-64% vs state ZIP avg
$1,108
Median Rent
1986
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 57 business establishments in ZIP 32431, employing approximately 518 people with a combined annual payroll of $27,534,000.
57
Businesses
518
Employees
$27.5M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 13 | 22.8% |
| Construction | 11 | 19.3% |
| Professional, scientific, and technical services | 7 | 12.3% |
| Other services (except public administration) | 6 | 10.5% |
| Transportation and warehousing | 4 | 7.0% |
| Administrative and support and waste management and remediation services | 4 | 7.0% |
| Accommodation and food services | 4 | 7.0% |
| Manufacturing | 3 | 5.3% |
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 32431 vs 32440 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 32440 | Graceville, FL | 7,563 | 11.3 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32431, 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 (4,983 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Jackson County
Related Areas
Frequently Asked Questions
What county is ZIP code 32431 in?
ZIP code 32431 (Cottondale) is located in Jackson County, Florida. Jackson County contains multiple ZIP codes, see the full list at /counties/jackson-fl.
What is the population of ZIP code 32431?
ZIP code 32431 in Cottondale, FL has a population of 4,983 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32431?
The median household income in ZIP 32431 is $55,293, which is 28% below the national average of $76,288.
What is the average home value in ZIP 32431?
The median home value in ZIP 32431 is $136,200, which is 51% below the national average of $278,155.
What is the demographic makeup of ZIP 32431?
The largest racial group in ZIP 32431 is White at 79.4%. Hispanic or Latino residents make up 1.0% of the population.
How many businesses are in ZIP code 32431?
ZIP code 32431 has 57 business establishments employing approximately 518 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32431?
The top industries by establishment count in ZIP 32431 are: Retail trade (13), Construction (11), Professional, scientific, and technical services (7). There are 8 industry sectors represented in total.
What is the education level in ZIP code 32431?
In ZIP code 32431, 70.5% of residents aged 25+ have a high school diploma or higher, and 16.6% 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 32431?
The mean commute time for workers in ZIP code 32431 is 27.0 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 32431?
In ZIP code 32431, approximately 76.8% of occupied housing units are owner-occupied and 23.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32431?
The poverty rate in ZIP code 32431 is 15.3% 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 32431's numbers, next.
- See how ZIP 32431 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cottondale, 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.