PlainZIP

Fountain, FL · standard

ZIP Code 32438

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

4,060
25/sq mi
$50,000
Median income
$153,700
Median home value
13.1%
Bachelor's or higher

The verdict

Fountain pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

14th pct
household income, US ZIPs
27th pct
home value, US ZIPs
25
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32438 against every reporting US ZIP.

ZIP code 32438 covers 163.1 square miles in Fountain, Bay County, Florida (a standard USPS delivery area), with a modest 4,060 residents on file, a density of 25 people per square mile, in the Chicago time zone.

ZIP 32438 reports a modest median household income of $50,000 (35% below the Florida average), while per-capita income is $23,732. Poverty here runs at 25.4%, with unemployment measured at 5.1%. The typical home here is valued at $153,700 (59% below the state average); renters pay a median of $626 monthly, and 82.4% of units are owner-occupied.

Formal educational attainment runs low here: just 13.1% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is -. To put 32438 in local context, 3 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Bay County, for a geography-aware comparison.

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 32438

Top 5 sectors by establishment count in Fountain, FL

Which industries have the most business establishments in ZIP 32438.

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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32438, Fountain, 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

4,060

Population

163.1

Area (sq mi)

25

People / sq mi

Chicago

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 32438?

39.9

Median Age

54.8%

Male

45.2%

Female

4.5%

Foreign-Born

White 84.5%
African American 0.1%
Asian 0.4%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 13.2%
Hispanic or Latino 11.5%

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?

$50,000

Median Household Income

-35% vs state

$23,732

Per Capita Income

25.4%

Poverty Rate

5.1%

Unemployment Rate

How ZIP 32438 ranks nationally

Fountain, FL household income vs. every US ZIP code

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

$50,000 14th percentile higher than 14% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 44.8%
Bachelor's Degree or Higher 13.1%

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

What does housing look like?

2,035

Total Housing Units

1,810

Occupied Units

225

Vacant Units

2.66

Avg Household Size

Occupancy Type

Owner 82.4%
Renter 17.6%

$153,700

Median Home Value

-59% vs state

$626

Median Rent

1998

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 21 business establishments in ZIP 32438, employing approximately 128 people with a combined annual payroll of $2,853,000.

21

Businesses

128

Employees

$2.9M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Retail trade 7 33.3%
Administrative and support and waste management and remediation services 4 19.1%
Construction 3 14.3%

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 32438 vs 32420 →

ZIP 32438 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 32438 ranks #3 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 32438 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 32438 ranks #3 of 4 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
32420 Alford, FL 2,144 9.2 mi
32466 Youngstown, FL 5,641 9.6 mi
32428 Chipley, FL 17,412 11.7 mi

More ZIP Codes in Bay County

32404 standard
Panama City, FL
Pop: 38,425
32405 standard
Panama City, FL
Pop: 29,980
32401 standard
Panama City, FL
Pop: 22,647
32444 standard
Lynn Haven, FL
Pop: 18,985
32408 standard
Panama City, FL
Pop: 15,352
32413 standard
Panama City Beach, FL
Pop: 13,128

Related Areas

Bay County Fountain, FL Florida

Frequently Asked Questions

What county is ZIP code 32438 in? ▼
ZIP code 32438 (Fountain) is located in Bay County, Florida. Bay County contains multiple ZIP codes, see the full list at /counties/bay-fl.
What is the population of ZIP code 32438? ▼
ZIP code 32438 in Fountain, FL has a population of 4,060 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32438? ▼
The median household income in ZIP 32438 is $50,000, which is 34% below the national average of $76,288.
What is the average home value in ZIP 32438? ▼
The median home value in ZIP 32438 is $153,700, which is 45% below the national average of $278,155.
What is the demographic makeup of ZIP 32438? ▼
The largest racial group in ZIP 32438 is White at 84.5%. Hispanic or Latino residents make up 11.5% of the population.
How many businesses are in ZIP code 32438? ▼
ZIP code 32438 has 21 business establishments employing approximately 128 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32438? ▼
The top industries by establishment count in ZIP 32438 are: Retail trade (7), Administrative and support and waste management and remediation services (4), Construction (3). There are 3 industry sectors represented in total.
What is the education level in ZIP code 32438? ▼
In ZIP code 32438, 44.8% of residents aged 25+ have a high school diploma or higher, and 13.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 32438? ▼
In ZIP code 32438, approximately 82.4% of occupied housing units are owner-occupied and 17.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32438? ▼
The poverty rate in ZIP code 32438 is 25.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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