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.
- 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 + 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
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
$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
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?
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
$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 |
More ZIP Codes in Brevard County
Related Areas
Frequently Asked Questions
What county is ZIP code 32909 in? ▼
What is the population of ZIP code 32909? ▼
What is the median household income in ZIP 32909? ▼
What is the average home value in ZIP 32909? ▼
What is the demographic makeup of ZIP 32909? ▼
How many businesses are in ZIP code 32909? ▼
What are the main industries in ZIP code 32909? ▼
How have home values changed in ZIP code 32909? ▼
What is the education level in ZIP code 32909? ▼
What is the average commute time in ZIP 32909? ▼
What percentage of residents own vs. rent in ZIP 32909? ▼
What is the poverty rate in ZIP code 32909? ▼
ZIP Code Research Guides
Official Data Resources for Palm Bay, FL
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.