ZIP Code 32427 — Caryville town, FL Demographics & Data

ZIP code 32427 covers Caryville, FL in Washington County with a population of about 1,037.

At a glance, the area shows median age of 43.8 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 32427 is about $55,227 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 26.0%; unemployment rate near 9.4%; 8.3% of adults with a bachelor’s degree or higher (about 25.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Transportation; about 1.9% of workers reporting work-from-home (about 13.3 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 $127,800 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $517 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 50.3% (about 15.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32427 in Caryville, FL, a household would need roughly $35,000 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 $821. That sits below the local median household income ($55,227), 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 Caryville town, FL as Relatively Low (composite score 59.4), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (92.5) and wildfire (60.3). 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 Caryville town, FL show little to no average snow.

IRS migration statistics show a net inflow of about 46 for ZIP 32427 (Caryville town, 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.