| ZIP Code | 32431 |
|---|---|
| City | Cottondale |
| State | Florida (FL) |
| County | Jackson County |
| Area Code | 448/850 |
| Elevation | 134 ft |
| Latitude | 30.787482 |
|---|---|
| Longitude | -85.410816 |
| Timezone | New York (DST) |
| FIPS | 12063 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 45.0 yrs |
|---|---|
| Avg Household Size | 2.46 |
| Below Poverty | 16.9% ▲ 69% above avg |
| College Grads | 22.3% ▼ 42% below avg |
| Unemployment | 5.5% ▲ 12% above avg |
| No HS Diploma | 62 (1.9%) |
| HS Graduate | 1,719 (51.5%) |
| Some College | 562 (16.8%) |
| Associates | 251 (7.5%) |
| Bachelors | 188 (5.6%) |
| Graduate Degree | 558 (16.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $52,270 ▼ 32% below avg ↑ 20% since 2019 |
|---|---|
| Median Home Value | $152,200 ▼ 45% below avg ↑ 48% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Median Rent | $1,108/mo ↑ 65% since 2019 |
| Total Units | 2,392 |
| Vacant Units | 403 |
| Avg HH Size | 2.46 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,392 |
|---|---|
| Vacant | 403 |
| Owner Occupied | 74.6% |
| Renter Occupied | 25.4% |
| Avg HH Size | 2.46 |
ZIP code 32431 is located in Cottondale, Florida, within Jackson County. With a population of 4,887, this is a lightly populated ZIP code with a mature community — the median age is 45 years. Economically, 32431 is a working-class ZIP code: the median household income of $52,270 is below the national average.
Real estate in ZIP code 32431 represents an affordable housing market. The median home value of $152,200 is below the national average. Renters can expect to pay around $1,108 per month in median rent. Homeownership is strong here — 74.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 48% since 2019.
The population of 32431 is primarily White (79.58%). Residents are less-educated — 22.3% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 16.9%. Household income has grown by 20% since 2019.
The unemployment rate in 32431 stands at 5.5%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 32431 in Cottondale, FL is characterized as working-class, less-educated, a mature community, and predominantly owner-occupied. With 4,887 residents, a median household income of $52,270, and a median home value of $152,200, it offers a clear picture of life in this part of Florida.