PlainZIP

Vero Beach, FL · standard

ZIP Code 32960

Indian River County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

20,037
681/sq mi
$54,682
Median income
$280,000
Median home value
24.1%
Bachelor's or higher

The verdict

Vero Beach pairs one of the lowest household incomes in the country with above-median home values, in a low-density, mixed-tenure area.

21th pct
household income, US ZIPs
Top 37%
home value, US ZIPs
681
people per sq mi
59%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32960 against every reporting US ZIP.

ZIP code 32960 is a densely settled ZIP (a standard USPS delivery area) in Vero Beach, Indian River County, Florida, with 20,037 residents across 29.4 square miles, a density of 681 people per square mile, in the New York time zone.

ZIP 32960 reports a modest median household income of $54,682 (29% below the Florida average), while per-capita income is $32,776. 17.6% of residents live below the poverty line, and the unemployment rate reads 4.3%. Housing costs here run $280,000 for a typical home value (25% below the state average), with rent averaging $1,194 a month; 59.3% of homes are owner-occupied.

Educational attainment sits below the national norm: 24.1% of adults hold a bachelor's degree or higher, the median age is 45, and the average commute is 19 minutes. A geography-based comparison follows: 7 ZIP codes within about 10 miles of 32960, plus 6 more within Indian River County, give a clearer read than the national average alone.

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 32960

Top 5 sectors by establishment count in Vero Beach, FL

Which industries have the most business establishments in ZIP 32960.

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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32960, Vero Beach, 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

20,037

Population

29.4

Area (sq mi)

681

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 32960?

45.0

Median Age

47.7%

Male

52.3%

Female

13.7%

Foreign-Born

White 66.1%
African American 9.5%
Asian 3.0%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.1%
Hispanic or Latino 17.0%

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?

$54,682

Median Household Income

-29% vs state

$32,776

Per Capita Income

17.6%

Poverty Rate

4.3%

Unemployment Rate

18.8 min

Mean Commute Time

How ZIP 32960 ranks nationally

Vero Beach, FL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$54,682 21st percentile higher than 21% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 53.7%
Bachelor's Degree or Higher 24.1%

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

What does housing look like?

11,846

Total Housing Units

9,946

Occupied Units

1,900

Vacant Units

2.41

Avg Household Size

Occupancy Type

Owner 59.3%
Renter 40.7%

$280,000

Median Home Value

-25% vs state

$1,194

Median Rent

1978

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

+11.6%

YoY Change (2024)

377

HPI Index (2000 = 100)

+277%

Total Change Since 2000

Home values in ZIP 32960 have increased 11.6% over the past year (2024). Since 2000, this ZIP has seen +277% cumulative appreciation.

Year Annual Change HPI Index
2020 +7.8% 222
2021 +15.9% 258
2022 +27.7% 329
2023 +2.7% 338
2024 +11.6% 377

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 1,493 business establishments in ZIP 32960, employing approximately 20,451 people with a combined annual payroll of $1,160,866,000.

1,493

Businesses

20,451

Employees

$1.2B

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 302 20.2%
Retail trade 197 13.2%
Professional, scientific, and technical services 192 12.9%
Other services (except public administration) 155 10.4%
Accommodation and food services 120 8.0%
Construction 112 7.5%
Finance and insurance 89 6.0%
Administrative and support and waste management and remediation services 86 5.8%
Real estate and rental and leasing 81 5.4%
Wholesale trade 37 2.5%
Manufacturing 34 2.3%
Transportation and warehousing 23 1.5%
Information 20 1.3%
Educational services 19 1.3%
Arts, entertainment, and recreation 13 0.9%
Management of companies and enterprises 7 0.5%
Industries not classified 3 0.2%

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 32960 vs 32962 →

ZIP 32960 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 32960 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 32960 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 32960 ranks #6 of 8 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
32962 Vero Beach, FL 22,716 3.9 mi
32963 Vero Beach, FL 14,911 5.4 mi
32968 Vero Beach, FL 12,830 5.4 mi
32967 Vero Beach, FL 19,518 6.1 mi
34951 Fort Pierce, FL 14,115 8.2 mi
32970 Wabasso, FL 303 8.2 mi
34946 Fort Pierce, FL 6,025 9.8 mi

More ZIP Codes in Indian River County

32958 standard
Sebastian, FL
Pop: 25,366
32962 standard
Vero Beach, FL
Pop: 22,716
32967 standard
Vero Beach, FL
Pop: 19,518
32966 standard
Vero Beach, FL
Pop: 15,626
32963 standard
Vero Beach, FL
Pop: 14,911
32968 standard
Vero Beach, FL
Pop: 12,830

Related Areas

Indian River County Vero Beach, FL Florida

Frequently Asked Questions

What county is ZIP code 32960 in? ▼
ZIP code 32960 (Vero Beach) is located in Indian River County, Florida. Indian River County contains multiple ZIP codes, see the full list at /counties/indian-river-fl.
What is the population of ZIP code 32960? ▼
ZIP code 32960 in Vero Beach, FL has a population of 20,037 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32960? ▼
The median household income in ZIP 32960 is $54,682, which is 28% below the national average of $76,288.
What is the average home value in ZIP 32960? ▼
The median home value in ZIP 32960 is $280,000, which is 1% above the national average of $278,155.
What is the demographic makeup of ZIP 32960? ▼
The largest racial group in ZIP 32960 is White at 66.1%. Hispanic or Latino residents make up 17.0% of the population.
How many businesses are in ZIP code 32960? ▼
ZIP code 32960 has 1,493 business establishments employing approximately 20,451 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32960? ▼
The top industries by establishment count in ZIP 32960 are: Health care and social assistance (302), Retail trade (197), Professional, scientific, and technical services (192). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 32960? ▼
According to the FHFA House Price Index, home values in ZIP 32960 increased by 11.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 277%. 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 32960? ▼
In ZIP code 32960, 53.7% of residents aged 25+ have a high school diploma or higher, and 24.1% 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 32960? ▼
The mean commute time for workers in ZIP code 32960 is 18.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32960? ▼
In ZIP code 32960, approximately 59.3% of occupied housing units are owner-occupied and 40.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32960? ▼
The poverty rate in ZIP code 32960 is 17.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.