Vero Beach, FL · standard

ZIP Code 32966

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

15,626
21/sq mi: $66,771
Median income: $294,200
Median home value: 33.9%
Bachelor's or higher

The verdict

Vero Beach pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

41th pct
household income, US ZIPs: Top 34%
home value, US ZIPs: 21
people per sq mi: 75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32966 against every reporting US ZIP.

ZIP code 32966 is classified by USPS as a standard delivery area and covers roughly 754.9 square miles in Vero Beach, Indian River County, Florida. The area is home to 15,626 residents, producing a population density of 21 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 32966 against Florida and the nation.

On the economic side, the median household income for ZIP 32966 sits at $66,771 (13% below the Florida average), while per-capita income is $45,583. The poverty rate stands at 8.7% and the unemployment rate at 4.7%. On housing, the median home value is $294,200 (22% below the state average) with median rent at $1,609 per month, and 74.9% of occupied units are owner-occupied, a direct signal of whether 32966 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 33.9% of adults hold a bachelor's degree or higher, the median age is 63, and the average commute is 23 minutes. Use the benchmarks above to see where 32966 sits relative to Florida and the national baseline rather than viewing the numbers in isolation. 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 32966

Retail trade

113
Professional, scientific, and technical services

48
Accommodation and food services

47
Other services (except public administration)

47
Construction

43

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 32966, Vero Beach, FL · 2023 Accessed 2026-06-13 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

15,626

Population

754.9

Area (sq mi)

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 32966?

63.0

Median Age

46.9%

Male

53.1%

Female

7.4%

Foreign-Born

White 83.8%

African American 2.9%

Asian 0.7%

American Indian or Alaska Native 0.6%

Native Hawaiian or Pacific Islander 0.2%

Two or More Ethnicities 8.5%

Hispanic or Latino 10.9%

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?

$66,771

Median Household Income

-13% vs state

$45,583

Per Capita Income

8.7%

Poverty Rate

4.7%

Unemployment Rate

23.3 min

Mean Commute Time

How ZIP 32966 ranks nationally

Household income vs. every US ZIP code

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

$66,771 41st percentile higher than 41% 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?

High School Graduate or Higher 64.0%

Bachelor's Degree or Higher 33.9%

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

What does housing look like?

12,154

Total Housing Units

10,081

Occupied Units

2,073

Vacant Units

2.04

Avg Household Size

Occupancy Type

Owner 74.9%

Renter 25.1%

$294,200

Median Home Value

-22% vs state

$1,609

Median Rent

1994

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

+6.7%

YoY Change (2024)

328

HPI Index (2000 = 100)

+228%

Total Change Since 2000

Home values in ZIP 32966 have increased 6.7% over the past year (2024). Since 2000, this ZIP has seen +228% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+0.7%	205
2021	+21.8%	249
2022	+21.9%	304
2023	+1.1%	307
2024	+6.7%	328

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 514 business establishments in ZIP 32966, employing approximately 7,271 people with a combined annual payroll of $267,142,000.

514

Businesses

7,271

Employees

$267.1M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Retail trade	113	22.0%
Professional, scientific, and technical services	48	9.3%
Accommodation and food services	47	9.1%
Other services (except public administration)	47	9.1%
Construction	43	8.4%
Health care and social assistance	41	8.0%
Real estate and rental and leasing	36	7.0%
Administrative and support and waste management and remediation services	36	7.0%
Finance and insurance	26	5.1%
Wholesale trade	15	2.9%
Transportation and warehousing	15	2.9%
Manufacturing	14	2.7%
Information	11	2.1%
Arts, entertainment, and recreation	6	1.2%
Agriculture, forestry, fishing and hunting	4	0.8%
Educational services	4	0.8%
Utilities	3	0.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

More ZIP Codes in Indian River County

Indian River County Vero Beach, FL Florida

Frequently Asked Questions

What county is ZIP code 32966 in? ▼

ZIP code 32966 (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 32966? ▼

ZIP code 32966 in Vero Beach, FL has a population of 15,626 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 32966? ▼

The median household income in ZIP 32966 is $66,771, which is 12% below the national average of $76,288.

What is the average home value in ZIP 32966? ▼

The median home value in ZIP 32966 is $294,200, which is 6% above the national average of $278,155.

What is the demographic makeup of ZIP 32966? ▼

The largest racial group in ZIP 32966 is White at 83.8%. Hispanic or Latino residents make up 10.9% of the population.

How many businesses are in ZIP code 32966? ▼

ZIP code 32966 has 514 business establishments employing approximately 7,271 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 32966? ▼

The top industries by establishment count in ZIP 32966 are: Retail trade (113), Professional, scientific, and technical services (48), Accommodation and food services (47). There are 17 industry sectors represented in total.

How have home values changed in ZIP code 32966? ▼

According to the FHFA House Price Index, home values in ZIP 32966 increased by 6.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 228%. 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 32966? ▼

In ZIP code 32966, 64.0% of residents aged 25+ have a high school diploma or higher, and 33.9% 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 32966? ▼

The mean commute time for workers in ZIP code 32966 is 23.3 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 32966? ▼

In ZIP code 32966, approximately 74.9% of occupied housing units are owner-occupied and 25.1% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 32966? ▼

The poverty rate in ZIP code 32966 is 8.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.