ZIP Code 32321 — Lake Mystic CDP, FL Demographics & Data

ZIP code 32321 covers Lake Mystic, FL in Liberty County with a population of about 5,792.

At a glance, the area shows median age of 38.0 (near the U.S. median).

It sits in telephone area codes 448, 850; U.S. House district FL-2; the PANAMA CITY media market.

Median household income in ZIP 32321 is about $53,491 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.0%; unemployment rate near 7.8%; 16.4% of adults with a bachelor’s degree or higher (about 17.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Education; about 7.8% of workers reporting work-from-home (about 7.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $130,600 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $716 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 79.8% (about 14.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32321 in Lake Mystic, FL, a household would need roughly $36,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $839. That sits below the local median household income ($53,491), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Lake Mystic CDP, FL as Very Low (composite score 12.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (82.1) and wildfire (68.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lake Mystic CDP, FL show little to no average snow and around 63.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 259 for ZIP 32321 (Lake Mystic CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.