ZIP Code 32328 — Eastpoint CDP, FL Demographics & Data

ZIP code 32328 covers Eastpoint, FL in Franklin County with a population of about 3,974.

At a glance, the area shows median age of 47.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 32328 is about $67,833 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.3%; unemployment rate near 8.7%; 33.6% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Public administration; 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 $341,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $625 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 86.3% (about 20.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32328 in Eastpoint, FL, a household would need roughly $94,000 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 $2,190. That is about 39% above the local median household income ($67,833), so the median earner would likely stretch or need a larger down payment. 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 Eastpoint CDP, FL as Relatively Low (composite score 46.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (90.5) and wildfire (77.6). 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 Eastpoint CDP, FL show little to no average snow and around 57.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 178 for ZIP 32328 (Eastpoint 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.