ZIP Code 32461 — undefined, FL Demographics & Data

ZIP code 32461 covers FL in Walton County with a population of about 3,517.

At a glance, the area shows median age of 57.7 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.

FL aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 32461 is about $146,393 — about 95% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 0.1%; 59.1% of adults with a bachelor’s degree or higher (about 25.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Wholesale trade, and Administrative support; about 41.6% of workers reporting work-from-home (about 26.4 points above 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 $947,700 — about 172% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,361 (about 103% above the U.S. median rent ($1,163)), and owner-occupancy near 85.6% (about 20.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32461 in FL, a household would need roughly $261,000 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 $6,088. That is about 78% above the local median household income ($146,393), 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 FL as Relatively Moderate (composite score 88.6), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (97.4) and wildfire (75.7). 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 FL show little to no average snow and around 59.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 157 for ZIP 32461 (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.