Population & age
- Total population
- 2,589
- Median age
- 58.2
ZIP 32461, FL (32461)
Walton County · Crestview-Fort Walton Beach-Destin, FL · Population 2,589
Fresh.Data current as of Apr 24, 2026
FL 32461 (ZIP 32461) sits in Walton County within the Crestview-Fort Walton Beach-Destin metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.3%. 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. IRS data shows average household income (AGI) of $595,323, well above the ~$45K national average per return. United Community Bank holds 62% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. Social vulnerability is low in this ZIP at the 13th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 42 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. Annual precipitation averages 61.3" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. 34.6% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Florida has no state income tax, saving the local median household (AGI $595,323) approximately $27,385/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 3,812 residents (1,645 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $154,750, fair market rent of $2,050 for a two-bedroom, and a typical home value of $1,370,638, down 4.4% over the past year. 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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Demographics
Race & ethnicity
- White
- 91.0%
- Black
- 0.0%
- Asian
- 1.4%
- Hispanic / Latino
- 4.4%
- Other / multi-racial
- 6.6%
Income & housing
- Median household income
- $154,750
- Median home value
- $844,300
Education
- Bachelor's degree or higher (age 25+)
- 53.5%
Employment
- Unemployment rate
- 0.2%
Housing
- Owner-occupied
- 971(84.3%)
- Renter-occupied
- 181(15.7%)
- Vacant units
- 4,267
- Built (median)
- 2006
Commute
- Public transit
- 21(2.1%)
- Work from home
- 453(44.3%)
- Avg commute
- 9.7 min
Economic wellbeing
- Below poverty line
- 67(2.6%)
- Uninsured
- 29(1.1%)
Digital access
- Broadband access
- 1,141(99.0%)
- No broadband
- 11(1.0%)
Language & nativity
- Foreign-born
- 196(7.6%)
- Non-English at home
- 189(7.7%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,590
/month
1 Bed
$1,870
/month
2 Bed
$2,050
/month
3 Bed
$2,850
/month
4 Bed
$3,440
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$1,370,638
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-4.4%
vs. March 2025
5-year change
+26.7%
vs. March 2021
Metro area
Crestview-Fort Walton Beach-Destin, FL
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
2,883
Across 1,590 permitted buildings. Total construction value: $1.25B.
Single-family
1,549
54% of total units
Multifamily (2+ unit)
1,334
46% of total units
Single-family value
$1.03B
construction value
Multifamily value
$222.2M
construction value
Apartment construction (5+ unit buildings) accounts for 46% of new units this year — the area is densifying, not just adding single-family stock.
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.
Income & tax statistics
Tax returns filed
2,210
Average AGI
$595,323
Avg property tax
$4,464
EITC participation
3.6%
Income distribution
- $1 – $25,00016.7% · 370
- $25,000 – $50,0009.5% · 210
- $50,000 – $75,0007.7% · 170
- $75,000 – $100,0007.2% · 160
- $100,000 – $200,00019.5% · 430
- $200,000 or more39.4% · 870
Avg mortgage interest
$4,748
Avg charitable contribution
$15,723
Avg capital gains
$195,731
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1315.7M across all reported brackets.
Business & employment
Business establishments
237
Total employment
2,443
Annual payroll
$154.3M
Average annual pay
$63,156
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$56,144
Average weekly wage
$1,080
Total employment
34,785
Total establishments
4,125
That is roughly 14% 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
3.0%
That is 1.0 percentage points below the US national unemployment rate of about 4.0%.
Labor force
41,223
Employed
39,987
Unemployed
1,236
Based on Walton 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.
Banking access
FDIC-insured bank branches
3
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$214.3M
across all branches in this ZIP
Distinct institutions
3
different banks operating here
Top banks by deposits in this ZIP
- 1.United Community Bank$132.6M · 1 branch
- 2.Regions Bank$66.7M · 1 branch
- 3.Capital City Bank$14.9M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Navarre--Miramar Beach--Destin, FL
Reporting agencies
2
Largest: Bay County Transportation Planning Organization
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Alternative-fuel stations
Public EV charging stations
4
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
7
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- Blink Network
- ChargePoint Network
- FPLEV
- + 1 more network
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Federal Disaster Declarations
Federally Declared Disasters
42
Date Range
1975–2024
Most Recent Declaration
HURRICANE HELENE
Hurricane — declared September 28, 2024 (DR-4828)
Incident period: September 23, 2024 – October 7, 2024
Top Incident Types
- Hurricane22 (52%)
- Severe Storm6 (14%)
- Fire5 (12%)
- Flood4 (10%)
- Tropical Storm3 (7%)
- Other2 (5%)
Individual Assistance
12
Direct help to disaster survivors
Households Program
6
Housing & temporary lodging support
Public Assistance
41
Repair of public facilities & roads
Hazard Mitigation
15
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
69.4°F
59.5° – 79.2°
Annual precipitation
61.3"
Diurnal range
19.8°F
Day-night swing
Heating · cooling days
1,287.6 · 2,902.7
Annual base 65°F
Nearest station: PANAMA CITY 5N, FL US, 23.8 miles from the centroid of ZIP 32461 (ZIP 32461)
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)
9,110
That is roughly 910 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
16%
of adults self-report
Poor physical health days
4.1
avg per adult per month
Poor mental health days
5.4
avg per adult per month
Uninsured
13.8%
of residents under 65
Primary care MDs
45
per 100,000 residents
Preventable hospital stays
2,908
per 100K Medicare enrollees
Food environment (0-10)
7.7
10 = best access & security
Exercise access
72%
residents near a facility
Flu vaccinated
38%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Walton 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
Significant food access concerns
34.6% of Walton County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.14
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.78
accepting food benefits
Fast-food restaurants
0.78
per 1,000 residents
Among low-income residents, 10.1% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Walton 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).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 120 reports
Property crime rate
—
per 100K residents · 399 reports
Homicide
1
Robbery
4
Burglary
77
Vehicle theft
23
County-level data for Walton (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+3,812 people
+1,645 households • +$630.4M net AGI flow
Moved in
5,866households
11,072 people • $1.1B AGI
Moved out
4,221households
7,260 people • $516.3M AGI
Where new residents came from
- Okaloosa County, FL — 860 households
- Bay County, FL — 182 households
- Fulton County, GA — 71 households
- Santa Rosa County, FL — 70 households
- Escambia County, FL — 61 households
Where departing residents went
- Okaloosa County, FL — 544 households
- Bay County, FL — 275 households
- Holmes County, FL — 72 households
- Escambia County, FL — 63 households
- Santa Rosa County, FL — 49 households
Incoming households reported an average AGI of $195,486 versus departing households' $122,317.
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 32461. 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
For ZIP 32461: A household at this ZIP's median AGI of $595,323 keeps approximately $27,385 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $1,370,638, that works out to roughly $6,915/year in property tax.
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 32461
Nearby ZIPs by distance
32459 (Miramar Beach, 8.6 mi) · 32413 (Panama City Beach, 10 mi) · 32437 (Ebro, 12.3 mi) · 32439 (Freeport, 12.9 mi) · 32407 (Panama City Beach, 17.5 mi) · 32550 (Miramar Beach, 18.1 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
27.6%
5.4pp below the 33.0% national rate.
High Blood Pressure
35.5%
3.5pp above the 32.0% national rate.
Depression
17.7%
4.3pp below the 22.0% national rate.
Annual Checkup
80.2%
4.2pp above the 76.0% national rate.
Health Insurance
6.3%
6.7pp below the 13.0% national rate.
Diabetes
11.1%
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 32461 (ZIP 32461) sits in Walton County within the Crestview-Fort Walton Beach-Destin metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.3%. 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. IRS data shows average household income (AGI) of $595,323, well above the ~$45K national average per return. United Community Bank holds 62% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. Social vulnerability is low in this ZIP at the 13th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 42 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. Annual precipitation averages 61.3" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. 34.6% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Florida has no state income tax, saving the local median household (AGI $595,323) approximately $27,385/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 3,812 residents (1,645 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $154,750, fair market rent of $2,050 for a two-bedroom, and a typical home value of $1,370,638, down 4.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 17.7%. 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 32461
What is the obesity rate in ZIP 32461?
27.6%, which is 5.4 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 32461?
17.7%, which is 4.3 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 32461?
35.5%, which is 3.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 32461?
2,589 people live in ZIP 32461, with a median age of 58.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 32461?
$154,750 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 32461 mostly renters or homeowners?
In ZIP 32461, 84.3% of occupied housing units are owner-occupied and 15.7% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 32461?
In ZIP 32461, 44.3% of workers work from home. Public transit is used by 2.1% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 32461?
2.6% of the population in ZIP 32461 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 32461 have broadband internet?
99.0% of households in ZIP 32461 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 32461?
The typical home value in ZIP 32461 is $1,370,638, down 4.4% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 32461?
Home values are down 4.4% over the past year and up 26.7% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 32461?
The average Adjusted Gross Income reported on tax returns from ZIP 32461 (FL 32461) is $595,323 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 32461?
Tax returns from ZIP 32461 report an average of $4,464 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 32461 earn over $200,000?
39.4% of tax returns from ZIP 32461 (FL 32461) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 32461?
As of 2022, 237 business establishments operated in ZIP 32461 employing 2,443 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 32461?
The average annual pay across all local establishments in ZIP 32461 is $63,156, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 32461 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 32461 ranks in the 13th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 32461?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 32461, ranking in the 37th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 32461 experienced?
FEMA has recorded 42 federal disaster declarations affecting ZIP 32461 between 1975–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 32461?
Hurricane is the most common federally declared disaster type affecting ZIP 32461, accounting for 22 of 42 declarations (52%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 32461?
The most recent FEMA disaster declaration affecting ZIP 32461 was "HURRICANE HELENE" — a hurricane declared in 2024 (DR-4828) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 32461?
6 colleges and universities are listed near ZIP 32461 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 32461?
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 32461?
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 32461?
ZIP 32461 has an average annual temperature of 69.4°F and 61.3" of annual precipitation based on the PANAMA CITY 5N, FL US weather station 23.8 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 32461 have public transit?
Yes — ZIP 32461 is part of the Navarre--Miramar Beach--Destin, FL urbanized area, primarily served by Bay County Transportation Planning Organization (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 32461?
Florida has no state income tax. For a household earning the local median AGI of $595,323, this saves approximately $27,385 per year compared to the national average effective state tax rate. 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 32461?
This page covers health outcomes from CDC PLACES (33 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (42 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), 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. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (42 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 32461
Nearby ZIPs by distance
32459 (Miramar Beach, 8.6 mi) · 32413 (Panama City Beach, 10 mi) · 32437 (Ebro, 12.3 mi) · 32439 (Freeport, 12.9 mi) · 32407 (Panama City Beach, 17.5 mi) · 32550 (Miramar Beach, 18.1 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
13th percentile
Low Vulnerability
Based on 2 census tracts, population 3,073
Vulnerability Themes
Households Without Vehicle
38
Limited English Speakers
7
Persons with Disability
254
Without HS Diploma
75
Without Health Insurance
193
Adults Age 65+
836
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.