Population & age
- Total population
- 15,456
- Median age
- 48.2
Indian River County · Sebastian-Vero Beach-West Vero Corridor, FL · Population 15,456
Vero Beach South, FL (ZIP 32968) sits in Indian River County within the Sebastian-Vero Beach-West Vero Corridor metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Obesity comes in below the national average at 25.5%. NCES lists 3 schools serving the area, 3 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $18,918. IRS data shows average household income (AGI) of $92,168, well above the ~$45K national average per return. FDIC counts just 2 bank branches in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. Social vulnerability is low in this ZIP at the 19th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1977 — a high-frequency exposure profile. Annual precipitation averages 56.4" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Per USDA's Food Environment Atlas, 45.6% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Florida has no state income tax, saving the local median household (AGI $92,168) approximately $4,240/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 2,522 residents (1,078 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 $90,058, fair market rent of $2,310 for a two-bedroom, and a typical home value of $424,092, down 4.3% 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.
Studio
$1,750
/month
1 Bed
$1,760
/month
2 Bed
$2,310
/month
3 Bed
$2,820
/month
4 Bed
$3,880
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$424,092
Zillow Home Value Index (ZHVI) · as of March 2026
-4.3%
vs. March 2025
+33.5%
vs. March 2021
Sebastian-Vero Beach, 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 units permitted
557
Across 288 permitted buildings. Total construction value: $201.3M.
Single-family
279
50% of total units
Multifamily (2+ unit)
278
50% of total units
Single-family value
$149.3M
construction value
Multifamily value
$52.0M
construction value
Apartment construction (5+ unit buildings) accounts for 50% 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.
Tax returns filed
7,880
Average AGI
$92,168
Avg property tax
$351
EITC participation
10.7%
Income distribution
Avg mortgage interest
$571
Avg charitable contribution
$607
Avg capital gains
$6,572
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 $726.3M across all reported brackets.
Business establishments
329
Total employment
1,886
Annual payroll
$74.4M
Average annual pay
$39,430
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.
Average annual pay
$57,991
Average weekly wage
$1,115
Total employment
57,522
Total establishments
5,868
That is roughly 11% 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 rate
4.1%
That tracks the US national unemployment rate of about 4.0%.
Labor force
67,937
Employed
65,177
Unemployed
2,760
Based on Indian River 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.
FDIC-insured bank branches
2
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$252.0M
across all branches in this ZIP
Distinct institutions
2
different banks operating here
Top banks by deposits in this ZIP
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.
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
Vero Beach--Sebastian, FL
Reporting agencies
1
Largest: Indian River County
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federally Declared Disasters
35
Date Range
1977–2024
Most Recent Declaration
HURRICANE MILTON
Hurricane — declared October 11, 2024 (DR-4834)
Incident period: October 5, 2024 – November 2, 2024
Top Incident Types
Individual Assistance
10
Direct help to disaster survivors
Households Program
9
Housing & temporary lodging support
Public Assistance
30
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.
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
74.4°F
66.1° – 82.7°
Annual precipitation
56.4"
Diurnal range
16.7°F
Day-night swing
Heating · cooling days
350.3 · 3,800.8
Annual base 65°F
Nearest station: VERO BEACH 4SE, FL US, 7.7 miles from the centroid of Vero Beach South, FL (ZIP 32968)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Median daily AQI
35
GoodPeak AQI (2024)
64
Moderate
Primary pollutant
Ozone
348 days as main pollutant
Days measured
348
Based on Indian River County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
9,380
That is roughly 1,180 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
17%
of adults self-report
Poor physical health days
3.8
avg per adult per month
Poor mental health days
5.3
avg per adult per month
Uninsured
14.0%
of residents under 65
Primary care MDs
63
per 100,000 residents
Preventable hospital stays
2,302
per 100K Medicare enrollees
Food environment (0-10)
7.3
10 = best access & security
Exercise access
87%
residents near a facility
Flu vaccinated
49%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.6% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Indian River 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 status
Limited food access for many residents
45.6% of Indian River County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.19
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.65
accepting food benefits
Fast-food restaurants
0.54
per 1,000 residents
Among low-income residents, 13.4% 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 Indian River 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).
Net migration (2022-2023)
▲+2,522 people
+1,078 households • +$591.8M net AGI flow
Moved in
8,331households
13,936 people • $1.2B AGI
Moved out
7,253households
11,414 people • $624.6M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $146,005 versus departing households' $86,117.
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.
State-level rules that apply to every resident of ZIP 32968. Numbers reflect the most recent published year per source.
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 32968: A household at this ZIP's median AGI of $92,168 keeps approximately $4,240 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $424,092, that works out to roughly $2,140/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
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).
Nearby ZIPs by distance
34951 (Lakewood Park, 6.9 mi) · 32960 (Vero Beach, 7.2 mi) · 32962 (Florida Ridge, 7.7 mi) · 32967 (Winter Beach, 9.1 mi) · 34945 (Port St. Lucie, 9.7 mi) · 34946 (Fort Pierce North, 11 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
25.5%
7.5pp below the 33.0% national rate.
34.9%
2.9pp above the 32.0% national rate.
17.5%
4.5pp below the 22.0% national rate.
80.3%
4.3pp above the 76.0% national rate.
9.8%
3.2pp below the 13.0% national rate.
11.8%
Tracks close to the 11.0% national rate.
3 schools serve this ZIP, including 3 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| IMAGINE AT SOUTH VERO | Public | 0–8 | 864 |
| CITRUS ELEMENTARY SCHOOL | Public | 0–5 | 677 |
| GLENDALE ELEMENTARY SCHOOL | Public | -1–5 | 526 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Colleges in this area
8
Median in-state tuition
$18,918
Median earnings (10 yr)
$39,696
Melbourne, FL · 32935
Melbourne, FL · 32901
Melbourne, FL · 32901
Melbourne, FL · 32904
Vero Beach, FL · 32967
Merritt Island, FL · 32953
Melbourne, FL · 32901
Melbourne, FL · 32935
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.
Vero Beach South, FL (ZIP 32968) sits in Indian River County within the Sebastian-Vero Beach-West Vero Corridor metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Obesity comes in below the national average at 25.5%. NCES lists 3 schools serving the area, 3 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $18,918. IRS data shows average household income (AGI) of $92,168, well above the ~$45K national average per return. FDIC counts just 2 bank branches in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. Social vulnerability is low in this ZIP at the 19th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1977 — a high-frequency exposure profile. Annual precipitation averages 56.4" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Per USDA's Food Environment Atlas, 45.6% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Florida has no state income tax, saving the local median household (AGI $92,168) approximately $4,240/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 2,522 residents (1,078 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 $90,058, fair market rent of $2,310 for a two-bedroom, and a typical home value of $424,092, down 4.3% 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 17.5%. 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.
25.5%, which is 7.5 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
17.5%, which is 4.5 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
34.9%, which is 2.9 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
3 schools serve this ZIP, including 3 public schools (NCES CCD, retrieved Apr 26, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 32968 by NCES CCD (retrieved Apr 26, 2026).
No high schools are listed in this ZIP by NCES CCD (retrieved Apr 26, 2026).
15,456 people live in ZIP 32968, with a median age of 48.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$90,058 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32968, 94.0% of occupied housing units are owner-occupied and 6.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32968, 10.2% of workers work from home. Public transit is used by 0.2% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
3.6% of the population in ZIP 32968 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
96.8% of households in ZIP 32968 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 32968 is $424,092, down 4.3% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 4.3% over the past year and up 33.5% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 32968 (Vero Beach South, FL) is $92,168 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 32968 report an average of $351 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
8.8% of tax returns from ZIP 32968 (Vero Beach South, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 329 business establishments operated in ZIP 32968 employing 1,886 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 32968 is $39,430, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 32968 ranks in the 19th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
Racial & Ethnic Minority Status is the highest-scoring CDC SVI theme for ZIP 32968, ranking in the 35th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 35 federal disaster declarations affecting ZIP 32968 between 1977–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 32968, accounting for 22 of 35 declarations (63%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 32968 was "HURRICANE MILTON" — a hurricane declared in 2024 (DR-4834) (FEMA OpenFEMA, retrieved May 3, 2026).
8 colleges and universities are listed near ZIP 32968 by the U.S. Department of Education College Scorecard, including Eastern Florida State College, Florida Institute Of Technology, and Florida Institute Of Technology-Online (retrieved May 2, 2026).
Median in-state tuition across 8 nearby institutions is $18,918 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $39,696 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 32968 has an average annual temperature of 74.4°F and 56.4" of annual precipitation based on the VERO BEACH 4SE, FL US weather station 7.7 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 32968 is part of the Vero Beach--Sebastian, FL urbanized area, primarily served by Indian River County (National Transit Database 2024, retrieved May 4, 2026).
Florida has no state income tax. For a household earning the local median AGI of $92,168, this saves approximately $4,240 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).
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (3 schools), 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 (8 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 (35 on record), climate normals from NOAA NCEI (1991-2020), 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.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 26, 2026 from NCES CCD. 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 (35 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). 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.
Nearby ZIPs by distance
34951 (Lakewood Park, 6.9 mi) · 32960 (Vero Beach, 7.2 mi) · 32962 (Florida Ridge, 7.7 mi) · 32967 (Winter Beach, 9.1 mi) · 34945 (Port St. Lucie, 9.7 mi) · 34946 (Fort Pierce North, 11 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 32968?
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
19th percentile
Low Vulnerability
Based on 7 census tracts, population 18,030
Vulnerability Themes
Households Without Vehicle
181
Limited English Speakers
46
Persons with Disability
2,113
Without HS Diploma
553
Without Health Insurance
1,429
Adults Age 65+
5,506
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.