New housing units permitted
145
Across 113 permitted buildings. Total construction value: $27.1M.
ZIP 32432, FL (32432)
Jackson County · Population 98
Fresh.Data current as of Apr 24, 2026
FL 32432 (ZIP 32432) sits in Jackson County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Annual Checkup comes in above the national average at 71.8%. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $3,120. BLS QCEW reports average annual pay of $47,323 per worker, roughly 28% below the US average. FEMA has issued 34 federal disaster declarations affecting this ZIP since 1994 — a high-frequency exposure profile. Annual precipitation averages 60.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 13,579 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Florida has no state income tax (Tax Foundation 2025). IRS migration data (2022-2023) shows a net gain of 539 residents (232 households) — the ZIP's primary county is growing. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: fair market rent of $1,070 for a two-bedroom. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$740
/month
1 Bed
$820
/month
2 Bed
$1,070
/month
3 Bed
$1,410
/month
4 Bed
$1,420
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
Single-family
105
72% of total units
Multifamily (2+ unit)
40
28% of total units
Single-family value
$22.8M
construction value
Multifamily value
$4.3M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Employment & wages
Average annual pay
$47,323
Average weekly wage
$910
Total employment
14,830
Total establishments
1,052
That is roughly 28% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.9%
That tracks the US national unemployment rate of about 4.0%.
Labor force
18,328
Employed
17,613
Unemployed
715
Based on Jackson County, FL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
34
Date Range
1994–2024
Most Recent Declaration
HURRICANE HELENE
Hurricane — declared September 28, 2024 (DR-4828)
Incident period: September 23, 2024 – October 7, 2024
Top Incident Types
- Hurricane20 (59%)
- Severe Storm5 (15%)
- Tropical Storm3 (9%)
- Fire3 (9%)
- Biological2 (6%)
- Other1 (3%)
Individual Assistance
6
Direct help to disaster survivors
Households Program
5
Housing & temporary lodging support
Public Assistance
33
Repair of public facilities & roads
Hazard Mitigation
14
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
67.7°F
55.5° – 79.9°
Annual precipitation
60.8"
Diurnal range
24.4°F
Day-night swing
Heating · cooling days
1,637.8 · 2,661.8
Annual base 65°F
Nearest station: CHIPLEY, FL US, 28.5 miles from the centroid of ZIP 32432 (ZIP 32432)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
13,579
That is roughly 5,379 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
24%
of adults self-report
Poor physical health days
5.0
avg per adult per month
Poor mental health days
6.5
avg per adult per month
Uninsured
11.5%
of residents under 65
Primary care MDs
31
per 100,000 residents
Preventable hospital stays
4,182
per 100K Medicare enrollees
Food environment (0-10)
7.6
10 = best access & security
Exercise access
25%
residents near a facility
Flu vaccinated
32%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.6% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Jackson data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
10.3% of Jackson County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.15
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.07
accepting food benefits
Fast-food restaurants
0.65
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Jackson County, FL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Who’s moving in and out
Net migration (2022-2023)
▲+539 people
+232 households • +$21.6M net AGI flow
Moved in
1,518households
2,952 people • $79.1M AGI
Moved out
1,286households
2,413 people • $57.4M AGI
Where new residents came from
- Bay County, FL — 122 households
- Washington County, FL — 93 households
- Calhoun County, FL — 80 households
- Leon County, FL — 69 households
- Houston County, AL — 66 households
Where departing residents went
- Bay County, FL — 106 households
- Washington County, FL — 84 households
- Houston County, AL — 82 households
- Leon County, FL — 67 households
- Calhoun County, FL — 55 households
Incoming households reported an average AGI of $52,093 versus departing households' $44,672.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Florida
State-level rules that apply to every resident of ZIP 32432. Numbers reflect the most recent published year per source.
Tax rates
Income tax
None
No state income tax
Sales tax (combined)
6.98%
State 6.00% · avg local 0.98%
Property tax (effective)
0.50%
Median $787/year
Tax burden rank
8 of 50
8.90% of personal income
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 32432
Nearby ZIPs by distance
32442 (Grand Ridge, 4.5 mi) · 32460 (Sneads, 8.1 mi) · 32448 (Marianna, 9.2 mi) · 32443 (Greenwood, 11.1 mi) · 32446 (Marianna, 13 mi) · 32421 (Altha, 15.3 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
34.9%
Tracks close to the 33.0% national rate.
High Blood Pressure
34.6%
2.6pp above the 32.0% national rate.
Depression
18.8%
3.2pp below the 22.0% national rate.
Annual Checkup
71.8%
4.2pp below the 76.0% national rate.
Health Insurance
17.2%
4.2pp above the 13.0% national rate.
Diabetes
12.8%
Tracks close to the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$3,120
Median earnings (10 yr)
$36,779
- 4-Year
Gulf Coast State College
Panama City, FL · 32401
- In-state tuition
- $2,370
- Out-of-state tuition
- $8,635
- Acceptance rate
- —
- Graduation rate
- 44.1%
- Median earnings (10 yr)
- $38,359
- Median student debt
- $7,147
- 4-Year
Chipola College
Marianna, FL · 32446
- In-state tuition
- $3,120
- Out-of-state tuition
- $8,950
- Acceptance rate
- —
- Graduation rate
- 57.2%
- Median earnings (10 yr)
- $37,378
- Median student debt
- —
- Certificate
Tom P. Haney Technical College
Panama City, FL · 32405
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 57.8%
- Median earnings (10 yr)
- $28,254
- Median student debt
- —
- 4-Year
Baptist University of Florida
Graceville, FL · 32440
- In-state tuition
- $15,000
- Out-of-state tuition
- $15,000
- Acceptance rate
- 36.0%
- Graduation rate
- 62.1%
- Median earnings (10 yr)
- $42,836
- Median student debt
- $23,590
- Certificate
Emerald Coast Technical College
DeFuniak Springs, FL · 32433
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 77.3%
- Median earnings (10 yr)
- $36,180
- Median student debt
- —
- Certificate
Florida Panhandle Technical College
Chipley, FL · 32428
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 41.4%
- Median earnings (10 yr)
- $32,320
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
FL 32432 (ZIP 32432) sits in Jackson County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Annual Checkup comes in above the national average at 71.8%. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $3,120. BLS QCEW reports average annual pay of $47,323 per worker, roughly 28% below the US average. FEMA has issued 34 federal disaster declarations affecting this ZIP since 1994 — a high-frequency exposure profile. Annual precipitation averages 60.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 13,579 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Florida has no state income tax (Tax Foundation 2025). IRS migration data (2022-2023) shows a net gain of 539 residents (232 households) — the ZIP's primary county is growing. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: fair market rent of $1,070 for a two-bedroom. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Both surfaces skew lighter than national averages. That isn’t a verdict — small-area estimates compress real neighborhood-level texture, and a single ZIP reading can miss a district line or a hospital corridor sitting just outside it. Treat this as a starting point for fieldwork, not a conclusion.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 18.8%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 32432
What is the obesity rate in ZIP 32432?
34.9%, which is 1.9 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 32432?
18.8%, which is 3.2 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 32432?
34.6%, which is 2.6 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How vulnerable is ZIP 32432 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 32432 ranks in the 62th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 32432?
Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 32432, ranking in the 70th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 32432 experienced?
FEMA has recorded 34 federal disaster declarations affecting ZIP 32432 between 1994–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 32432?
Hurricane is the most common federally declared disaster type affecting ZIP 32432, accounting for 20 of 34 declarations (59%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 32432?
The most recent FEMA disaster declaration affecting ZIP 32432 was "HURRICANE HELENE" — a hurricane declared in 2024 (DR-4828) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 32432?
6 colleges and universities are listed near ZIP 32432 by the U.S. Department of Education College Scorecard, including Gulf Coast State College, Chipola College, and Tom P. Haney Technical College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 32432?
Median in-state tuition across 6 nearby institutions is $3,120 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 32432?
Graduates of nearby colleges earn a median of $36,779 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 32432?
ZIP 32432 has an average annual temperature of 67.7°F and 60.8" of annual precipitation based on the CHIPLEY, FL US weather station 28.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 32432?
Florida has no state income tax. The combined state and local sales tax rate is 6.98% (Tax Foundation 2025).
Does Florida have paid family leave?
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 32432?
This page covers health outcomes from CDC PLACES (33 metrics), colleges from the U.S. Department of Education College Scorecard (6 institutions), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (34 on record), climate normals from NOAA NCEI (1991-2020), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (34 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 32432
Nearby ZIPs by distance
32442 (Grand Ridge, 4.5 mi) · 32460 (Sneads, 8.1 mi) · 32448 (Marianna, 9.2 mi) · 32443 (Greenwood, 11.1 mi) · 32446 (Marianna, 13 mi) · 32421 (Altha, 15.3 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 32432?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
62nd percentile
High Vulnerability
Based on 1 census tract, population 5
Vulnerability Themes
Persons with Disability
1
Without Health Insurance
1
Adults Age 65+
1
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.