| ZIP Code | 32438 |
|---|---|
| City | Fountain |
| State | Florida (FL) |
| County | Bay County |
| Area Code | 448/850 |
| Elevation | 181 ft |
| Latitude | 30.511651 |
|---|---|
| Longitude | -85.414931 |
| Timezone | New York (DST) |
| FIPS | 12005 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.2 yrs ↓ 14% since 2019 |
|---|---|
| Avg Household Size | 2.42 |
| Below Poverty | 29.0% ▲ 190% above avg |
| College Grads | 24.1% ▼ 38% below avg |
| Unemployment | 4.6% ≈ Avg |
| No HS Diploma | 58 (2%) |
| HS Graduate | 1,164 (40.9%) |
| Some College | 630 (22.1%) |
| Associates | 308 (10.8%) |
| Bachelors | 320 (11.2%) |
| Graduate Degree | 366 (12.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $42,417 ▼ 44% below avg ↑ 40% since 2019 |
|---|---|
| Median Home Value | $127,900 ▼ 54% below avg ↑ 68% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $725/mo ↑ 55% since 2019 |
| Total Units | 2,232 |
| Vacant Units | 230 |
| Avg HH Size | 2.42 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,232 |
|---|---|
| Vacant | 230 |
| Owner Occupied | 84.6% |
| Renter Occupied | 15.4% |
| Avg HH Size | 2.42 |
ZIP code 32438 is located in Fountain, Florida, within Bay County. With a population of 4,839, this is a lightly populated ZIP code with a middle-aged community — the median age is 42.2 years. Economically, 32438 is a working-class ZIP code: the median household income of $42,417 is below the national average.
Real estate in ZIP code 32438 represents one of the more affordable housing markets in the country. The median home value of $127,900 is well below the national average. Renters can expect to pay around $725 per month in median rent. Homeownership is strong here — 84.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 68% since 2019.
The population of 32438 is primarily White (80.47%). Residents are less-educated — 24.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 29.0%. Household income has grown by 40% since 2019.
The unemployment rate in 32438 stands at 4.6%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 81%.
Overall, ZIP code 32438 in Fountain, FL is characterized as working-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 4,839 residents, a median household income of $42,417, and a median home value of $127,900, it offers a clear picture of life in this part of Florida.