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
$79,977
Median income
$307,100
Median home value
23.8%
Bachelor's or higher

The verdict

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 classified by USPS as a standard delivery area and covers roughly 112.3 square miles in Palm Bay, Brevard County, Florida. The area is home to 30,120 residents, producing a population density of 268 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32909 against Florida and the nation.

On the economic side, the median household income for ZIP 32909 sits at $79,977 (4% above the Florida average), while per-capita income is $40,427. The poverty rate stands at 11.8% and the unemployment rate at 5.2%. On housing, the median home value is $307,100 (18% below the state average) with median rent at $1,535 per month, and 82.7% of occupied units are owner-occupied, a direct signal of whether 32909 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 23.8% of adults hold a bachelor's degree or higher, the median age is 37.9, and the average commute is 29 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Brevard County, so you can benchmark 32909 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 →

Top industries in ZIP 32909

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32909.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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

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 32909?

37.9

Median Age

46.8%

Male

53.2%

Female

17.2%

Foreign-Born

White 51.9%
African American 21.8%
Asian 3.8%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 17.7%
Hispanic or Latino 22.8%

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

$40,427

Per Capita Income

11.8%

Poverty Rate

5.2%

Unemployment Rate

28.7 min

Mean Commute Time

How ZIP 32909 ranks nationally

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

$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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 55.2%
Bachelor's Degree or Higher 23.8%

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

What does housing look like?

14,909

Total Housing Units

13,907

Occupied Units

1,002

Vacant Units

3.00

Avg Household Size

Occupancy Type

Owner 82.7%
Renter 17.3%

$307,100

Median Home Value

-18% vs state

$1,535

Median Rent

2002

Median Year Built

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

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.

residents

What this shows Among its immediate neighbors, ZIP 32909 ranks #2 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 32909 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 32909 ranks #5 of 9 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
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

More ZIP Codes in Brevard County

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.

ZIP Code Research Guides

Official Data Resources for Palm Bay, FL

Verify and explore additional data for this area using these official government sources.