Jay, FL · standard
ZIP Code 32565
Santa Rosa County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,719
- 10/sq mi Low-density area
- $84,432
- Median income Above-median income area
- $239,500
- Median home value Near-median home value
- 22.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Jay pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 33%
- household income, US ZIPs
- Top 45%
- home value, US ZIPs
- 10
- people per sq mi
- 81%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32565 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32565 (Jay, FL) fell -2.9% from 2023 to 2024.
ZIP code 32565 is a mid-sized community (a standard USPS delivery area) in Jay, Santa Rosa County, Florida, home to 5,719 residents across 595.7 square miles, a density of 10 people per square mile, in the Chicago time zone.
ZIP 32565 lands in the middle-income range, with a median household income of $84,432 (9% above the average Florida ZIP), while per-capita income is $35,519. The poverty rate is 11.0%, with unemployment at 5.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $239,500 (36% below the average Florida ZIP), and median rent is $934; owner occupancy is 80.9%.
Educational attainment sits below the national norm: 22.7% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is 33 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Santa Rosa County, so 32565 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 32565
Top 5 sectors by establishment count in Jay, FL
Which industries have the most business establishments in ZIP 32565.
- Construction
Construction
28 establishments
- Retail trade
Retail trade
23 establishments
- Other services (except public administration)
Other services (except public administration)
16 establishments
- Administrative and support and waste management and remediation services 11
Administrative and support and waste management and remediation services
11 establishments
- Health care and social assistance 9
Health care and social assistance
9 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 32565, Jay, 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
5,719
Population
595.7
Area (sq mi)
10
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 32565?
40.1
Median Age
52.2%
Male
47.8%
Female
4.3%
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?
$84,432
Median Household Income
+9% vs state ZIP avg
$35,519
Per Capita Income
11.0%
Poverty Rate
5.4%
Unemployment Rate
32.6 min
Mean Commute Time
How ZIP 32565 ranks among Florida ZIPs
Jay, 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)
$84,432 Top 31% higher than 69% 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
2,543housing units
2,543
Total Housing Units
2,123
Occupied Units
420
Vacant Units
2.66
Avg Household Size
Occupancy Type
$239,500
Median Home Value
-36% vs state ZIP avg
$934
Median Rent
1987
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 130 business establishments in ZIP 32565, employing approximately 889 people with a combined annual payroll of $40,728,000.
130
Businesses
889
Employees
$40.7M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 28 | 21.5% |
| Retail trade | 23 | 17.7% |
| Other services (except public administration) | 16 | 12.3% |
| Administrative and support and waste management and remediation services | 11 | 8.5% |
| Health care and social assistance | 9 | 6.9% |
| Professional, scientific, and technical services | 7 | 5.4% |
| Transportation and warehousing | 6 | 4.6% |
| Real estate and rental and leasing | 6 | 4.6% |
| Agriculture, forestry, fishing and hunting | 5 | 3.9% |
| Finance and insurance | 5 | 3.9% |
| Wholesale trade | 3 | 2.3% |
| Accommodation and food services | 3 | 2.3% |
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 32565 vs 36441 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 36441 | Flomaton, AL | 3,576 | 12.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32565, 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 (5,719 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Santa Rosa County
Related Areas
Frequently Asked Questions
What county is ZIP code 32565 in?
ZIP code 32565 (Jay) is located in Santa Rosa County, Florida. Santa Rosa County contains multiple ZIP codes, see the full list at /counties/santa-rosa-fl.
What is the population of ZIP code 32565?
ZIP code 32565 in Jay, FL has a population of 5,719 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32565?
The median household income in ZIP 32565 is $84,432, which is 11% above the national average of $76,288.
What is the average home value in ZIP 32565?
The median home value in ZIP 32565 is $239,500, which is 14% below the national average of $278,155.
What is the demographic makeup of ZIP 32565?
The largest racial group in ZIP 32565 is White at 89.1%. Hispanic or Latino residents make up 0.6% of the population.
How many businesses are in ZIP code 32565?
ZIP code 32565 has 130 business establishments employing approximately 889 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32565?
The top industries by establishment count in ZIP 32565 are: Construction (28), Retail trade (23), Other services (except public administration) (16). There are 12 industry sectors represented in total.
What is the education level in ZIP code 32565?
In ZIP code 32565, 59.6% of residents aged 25+ have a high school diploma or higher, and 22.7% 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 32565?
The mean commute time for workers in ZIP code 32565 is 32.6 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 32565?
In ZIP code 32565, approximately 80.9% of occupied housing units are owner-occupied and 19.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32565?
The poverty rate in ZIP code 32565 is 11.0% 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 32565's numbers, next.
- See how ZIP 32565 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Jay, 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.