PlainZIP

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
$149,923
Median income
$943,900
Median home value
69.0%
Bachelor's or higher

The verdict

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.

ZIP code 32963 is classified by USPS as a standard delivery area and covers roughly 45.0 square miles in Vero Beach, Indian River County, Florida. The area is home to 14,911 residents, producing a population density of 332 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 32963 against Florida and the nation.

On the economic side, the median household income for ZIP 32963 sits at $149,923 (94% above the Florida average), while per-capita income is $130,650. The poverty rate stands at 7.0% and the unemployment rate at 2.9%. On housing, the median home value is $943,900 (152% above the state average) with median rent at $2,378 per month, and 95.1% of occupied units are owner-occupied, a direct signal of whether 32963 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 69.0% of adults hold a bachelor's degree or higher, the median age is 69.1, and the average commute is —. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Indian River County, so you can benchmark 32963 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 32963

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32963.

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 32963, Vero Beach, 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

14,911

Population

45.0

Area (sq mi)

332

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 32963?

69.1

Median Age

45.8%

Male

54.2%

Female

7.3%

Foreign-Born

White 93.0%
African American 0.7%
Asian 1.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.5%
Hispanic or Latino 2.8%

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?

$149,923

Median Household Income

+94% vs state

$130,650

Per Capita Income

7.0%

Poverty Rate

2.9%

Unemployment Rate

How ZIP 32963 ranks nationally

Household income vs. every US ZIP code

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

$149,923 Top 4% higher than 96% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $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 81.2%
Bachelor's Degree or Higher 69.0%

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

What does housing look like?

12,282

Total Housing Units

7,825

Occupied Units

4,457

Vacant Units

1.92

Avg Household Size

Occupancy Type

Owner 95.1%
Renter 4.9%

$943,900

Median Home Value

+152% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 32963 ranks #5 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 32963 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 32963 ranks the highest 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
32967 Vero Beach, FL 19,518 4.0 mi
32960 Vero Beach, FL 20,037 5.4 mi
32970 Wabasso, FL 303 4.1 mi
32962 Vero Beach, FL 22,716 9.2 mi
32958 Sebastian, FL 25,366 7.7 mi
32968 Vero Beach, FL 12,830 10.1 mi
32976 Sebastian, FL 9,079 13.3 mi

More ZIP Codes in Indian River County

32958 standard
Sebastian, FL
Pop: 25,366
32962 standard
Vero Beach, FL
Pop: 22,716
32960 standard
Vero Beach, FL
Pop: 20,037
32967 standard
Vero Beach, FL
Pop: 19,518
32966 standard
Vero Beach, FL
Pop: 15,626
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 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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Vero Beach, FL

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

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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