Vero Beach, FL · standard
ZIP Code 32963
Indian River County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 14,911
- 332/sq mi High-density area
- $149,923
- Median income Above-median income area
- $943,900
- Median home value Above-median home value
- 69.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Vero Beach pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.
- Top 4%
- household income, US ZIPs
- Top 3%
- home value, US ZIPs
- 332
- people per sq mi
- 95%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32963 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 32963 (Vero Beach, FL) rose +8.2% from 2023 to 2024. The all-transactions index moved from 384.4 in 2023 to 416.0 in 2024 (2000 = 100).
ZIP code 32963 is a mid-sized community (a standard USPS delivery area) in Vero Beach, Indian River County, Florida, home to 14,911 residents across 45.0 square miles, a density of 332 people per square mile, in the New York time zone.
ZIP 32963 skews affluent, with a median household income of $149,923 (94% above the average Florida ZIP), while per-capita income is $130,650. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.0% and unemployment is 2.9%. Housing is both higher-cost and owner-heavy: median home value is $943,900 (152% above the average Florida ZIP), while 95.1% of occupied homes are owner-occupied and median rent is $2,378.
This is a highly-educated ZIP: 69.0% of adults hold a bachelor's degree or higher, the median age is 69.1, and the average commute is -. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Indian River County, so 32963 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 32963
Top 5 sectors by establishment count in Vero Beach, FL
Which industries have the most business establishments in ZIP 32963.
- Professional, scientific, and technical services
Professional, scientific, and technical services
144 establishments
- Finance and insurance
Finance and insurance
84 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
81 establishments
- Retail trade
Retail trade
71 establishments
- Accommodation and food services 43
Accommodation and food services
43 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 32963, 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
14,911
Population
45.0
Area (sq mi)
332
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32963?
69.1
Median Age
45.8%
Male
54.2%
Female
7.3%
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?
$149,923
Median Household Income
+94% vs state ZIP avg
$130,650
Per Capita Income
7.0%
Poverty Rate
2.9%
Unemployment Rate
How ZIP 32963 ranks among Florida ZIPs
Vero Beach, 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)
$149,923 Top 2% higher than 98% 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
12,282housing units
12,282
Total Housing Units
7,825
Occupied Units
4,457
Vacant Units
1.92
Avg Household Size
Occupancy Type
$943,900
Median Home Value
+152% vs state ZIP avg
$2,378
Median Rent
1985
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
+8.2%
YoY Change (2024)
416
HPI Index (2000 = 100)
+316%
Total Change Since 2000
Home values in ZIP 32963 have increased 8.2% over the past year (2024). Since 2000, this ZIP has seen +316% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.6% | 245 |
| 2021 | +20.9% | 296 |
| 2022 | +17.5% | 348 |
| 2023 | +10.4% | 384 |
| 2024 | +8.2% | 416 |
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 605 business establishments in ZIP 32963, employing approximately 6,005 people with a combined annual payroll of $415,202,000.
605
Businesses
6,005
Employees
$415.2M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 144 | 23.8% |
| Finance and insurance | 84 | 13.9% |
| Real estate and rental and leasing | 81 | 13.4% |
| Retail trade | 71 | 11.7% |
| Accommodation and food services | 43 | 7.1% |
| Other services (except public administration) | 40 | 6.6% |
| Health care and social assistance | 30 | 5.0% |
| Construction | 23 | 3.8% |
| Wholesale trade | 22 | 3.6% |
| Arts, entertainment, and recreation | 20 | 3.3% |
| Administrative and support and waste management and remediation services | 19 | 3.1% |
| Information | 9 | 1.5% |
| Educational services | 7 | 1.2% |
| Manufacturing | 4 | 0.7% |
| Transportation and warehousing | 4 | 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 32963 vs 32967 →
ZIP 32963 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32958
Sebastian (32958)
25,366 residents
- 32962
Vero Beach (32962)
22,716 residents
- 32960
Vero Beach (32960)
20,037 residents
- 32967
Vero Beach (32967)
19,518 residents
- 32963
Vero Beach (32963)
14,911 residents
- 32968
Vero Beach (32968)
12,830 residents
- 32976 9,079
Sebastian (32976)
9,079 residents
- 32970 303
Wabasso (32970)
303 residents
What this shows Among its immediate neighbors, ZIP 32963 ranks #5 by population - useful context the national average alone can't give.
ZIP 32963 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32963
Vero Beach (32963)
$149,923 median income
- 32968
Vero Beach (32968)
$94,113 median income
- 32967
Vero Beach (32967)
$78,058 median income
- 32958
Sebastian (32958)
$66,840 median income
- 32962
Vero Beach (32962)
$66,664 median income
- 32960 $54,682
Vero Beach (32960)
$54,682 median income
- 32976 $46,712
Sebastian (32976)
$46,712 median income
- 32970 $43,750
Wabasso (32970)
$43,750 median income
What this shows By household income, ZIP 32963 ranks the highest of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32963, 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 (14,911 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Indian River County
Related Areas
Frequently Asked Questions
What county is ZIP code 32963 in?
ZIP code 32963 (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 32963?
ZIP code 32963 in Vero Beach, FL has a population of 14,911 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32963?
The median household income in ZIP 32963 is $149,923, which is 97% above the national average of $76,288.
What is the average home value in ZIP 32963?
The median home value in ZIP 32963 is $943,900, which is 239% above the national average of $278,155.
What is the demographic makeup of ZIP 32963?
The largest racial group in ZIP 32963 is White at 93.0%. Hispanic or Latino residents make up 2.8% of the population.
How many businesses are in ZIP code 32963?
ZIP code 32963 has 605 business establishments employing approximately 6,005 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32963?
The top industries by establishment count in ZIP 32963 are: Professional, scientific, and technical services (144), Finance and insurance (84), Real estate and rental and leasing (81). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 32963?
According to the FHFA House Price Index, home values in ZIP 32963 increased by 8.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 316%. 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 32963?
In ZIP code 32963, 81.2% of residents aged 25+ have a high school diploma or higher, and 69.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 32963?
In ZIP code 32963, approximately 95.1% of occupied housing units are owner-occupied and 4.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32963?
The poverty rate in ZIP code 32963 is 7.0% 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 32963's numbers, next.
- See how ZIP 32963 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Vero Beach, 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.