Palm Bay, FL · standard
ZIP Code 32909
Brevard County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 30,120
- 268/sq mi High-density area
- $79,977
- Median income Near-median income area
- $307,100
- Median home value Above-median home value
- 23.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Palm Bay pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 38%
- household income, US ZIPs
- Top 32%
- home value, US ZIPs
- 268
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32909 against every reporting US ZIP.
ZIP code 32909 is a densely settled ZIP (a standard USPS delivery area) in Palm Bay, Brevard County, Florida, with 30,120 residents across 112.3 square miles, a density of 268 people per square mile, in the New York time zone.
ZIP 32909 lands in the middle-income range, with a median household income of $79,977 (4% above the average Florida ZIP), while per-capita income is $40,427. The poverty rate is 11.8%, with unemployment at 5.2%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $307,100 (18% below the average Florida ZIP), and median rent is $1,535; owner occupancy is 82.7%.
Educational attainment sits below the national norm: 23.8% of adults hold a bachelor's degree or higher, the median age is 37.9, and the average commute is 29 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Brevard County, so 32909 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 32909
Top 5 sectors by establishment count in Palm Bay, FL
Which industries have the most business establishments in ZIP 32909.
- Construction
Construction
101 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
69 establishments
- Other services (except public administration)
Other services (except public administration)
45 establishments
- Health care and social assistance
Health care and social assistance
44 establishments
- Retail trade 39
Retail trade
39 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 32909, Palm Bay, 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
30,120
Population
112.3
Area (sq mi)
268
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32909?
37.9
Median Age
46.8%
Male
53.2%
Female
17.2%
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?
$79,977
Median Household Income
+4% vs state ZIP avg
$40,427
Per Capita Income
11.8%
Poverty Rate
5.2%
Unemployment Rate
28.7 min
Mean Commute Time
How ZIP 32909 ranks nationally
Palm Bay, FL household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$79,977 Top 38% higher than 62% 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
14,909housing units
14,909
Total Housing Units
13,907
Occupied Units
1,002
Vacant Units
3.00
Avg Household Size
Occupancy Type
$307,100
Median Home Value
-18% vs state ZIP avg
$1,535
Median Rent
2002
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
+0.8%
YoY Change (2024)
376
HPI Index (2000 = 100)
+276%
Total Change Since 2000
Home values in ZIP 32909 have increased 0.8% over the past year (2024). Since 2000, this ZIP has seen +276% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.7% | 243 |
| 2021 | +17.7% | 286 |
| 2022 | +22.5% | 351 |
| 2023 | +6.2% | 373 |
| 2024 | +0.8% | 376 |
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 455 business establishments in ZIP 32909, employing approximately 2,720 people with a combined annual payroll of $120,069,000.
455
Businesses
2,720
Employees
$120.1M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 101 | 22.2% |
| Administrative and support and waste management and remediation services | 69 | 15.2% |
| Other services (except public administration) | 45 | 9.9% |
| Health care and social assistance | 44 | 9.7% |
| Retail trade | 39 | 8.6% |
| Professional, scientific, and technical services | 39 | 8.6% |
| Transportation and warehousing | 27 | 5.9% |
| Real estate and rental and leasing | 25 | 5.5% |
| Accommodation and food services | 21 | 4.6% |
| Finance and insurance | 12 | 2.6% |
| Wholesale trade | 9 | 2.0% |
| Manufacturing | 6 | 1.3% |
| Educational services | 5 | 1.1% |
| Information | 4 | 0.9% |
| Utilities | 3 | 0.7% |
| Arts, entertainment, and recreation | 3 | 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 32909 vs 32908 →
ZIP 32909 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32907
Palm Bay (32907)
41,870 residents
- 32909
Palm Bay (32909)
30,120 residents
- 32904
Melbourne (32904)
26,710 residents
- 32905
Palm Bay (32905)
22,084 residents
- 32908 10,892
Palm Bay (32908)
10,892 residents
- 32951 10,673
Melbourne Beach (32951)
10,673 residents
- 32976 9,079
Sebastian (32976)
9,079 residents
- 32948 6,773
Fellsmere (32948)
6,773 residents
- 32950 3,982
Malabar (32950)
3,982 residents
What this shows Among its immediate neighbors, ZIP 32909 ranks #2 by population - useful context the national average alone can't give.
ZIP 32909 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32949
Grant (32949)
$130,651 median income
- 32950
Malabar (32950)
$115,781 median income
- 32951
Melbourne Beach (32951)
$98,420 median income
- 32904
Melbourne (32904)
$90,673 median income
- 32909
Palm Bay (32909)
$79,977 median income
- 32908
Palm Bay (32908)
$79,596 median income
- 32907
Palm Bay (32907)
$75,311 median income
- 32948
Fellsmere (32948)
$60,945 median income
- 32905
Palm Bay (32905)
$56,411 median income
What this shows By household income, ZIP 32909 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 32908 | Palm Bay, FL | 10,892 | 4.1 mi |
| 32949 | Grant, FL | 2,248 | 5.7 mi |
| 32948 | Fellsmere, FL | 6,773 | 5.8 mi |
| 32950 | Malabar, FL | 3,982 | 5.6 mi |
| 32907 | Palm Bay, FL | 41,870 | 7.0 mi |
| 32905 | Palm Bay, FL | 22,084 | 8.1 mi |
| 32976 | Sebastian, FL | 9,079 | 7.5 mi |
| 32951 | Melbourne Beach, FL | 10,673 | 8.4 mi |
| 32904 | Melbourne, FL | 26,710 | 10.3 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32909, 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 (30,120 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Brevard County
Related Areas
Frequently Asked Questions
What county is ZIP code 32909 in?
ZIP code 32909 (Palm Bay) is located in Brevard County, Florida. Brevard County contains multiple ZIP codes, see the full list at /counties/brevard-fl.
What is the population of ZIP code 32909?
ZIP code 32909 in Palm Bay, FL has a population of 30,120 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32909?
The median household income in ZIP 32909 is $79,977, which is 5% above the national average of $76,288.
What is the average home value in ZIP 32909?
The median home value in ZIP 32909 is $307,100, which is 10% above the national average of $278,155.
What is the demographic makeup of ZIP 32909?
The largest racial group in ZIP 32909 is White at 51.9%. Hispanic or Latino residents make up 22.8% of the population.
How many businesses are in ZIP code 32909?
ZIP code 32909 has 455 business establishments employing approximately 2,720 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32909?
The top industries by establishment count in ZIP 32909 are: Construction (101), Administrative and support and waste management and remediation services (69), Other services (except public administration) (45). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 32909?
According to the FHFA House Price Index, home values in ZIP 32909 increased by 0.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 276%. 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 32909?
In ZIP code 32909, 55.2% of residents aged 25+ have a high school diploma or higher, and 23.8% 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 32909?
The mean commute time for workers in ZIP code 32909 is 28.7 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 32909?
In ZIP code 32909, approximately 82.7% of occupied housing units are owner-occupied and 17.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32909?
The poverty rate in ZIP code 32909 is 11.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
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What to do with ZIP 32909's numbers, next.
- See how ZIP 32909 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Palm Bay, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.