ZIP Code 32438

ZIP code 32438 is classified by USPS as a standard delivery area and covers roughly 163.1 square miles in Fountain, Bay County, Florida. The area is home to 4,060 residents, producing a population density of 25 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32438 against Florida and the nation.

On the economic side, the median household income for ZIP 32438 sits at $50,000 (35% below the Florida average), while per-capita income is $23,732. The poverty rate stands at 25.4% and the unemployment rate at 5.1%. On housing, the median home value is $153,700 (59% below the state average) with median rent at $626 per month, and 82.4% of occupied units are owner-occupied, a direct signal of whether 32438 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 13.1% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is —. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Bay County, so you can benchmark 32438 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 →