ZIP Code 32462 — Vernon city, FL Demographics & Data

ZIP code 32462 covers Vernon, FL in Washington County with a population of about 3,452.

At a glance, the area shows median age of 44.6 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 32462 is about $43,581 — about 42% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.9%; unemployment rate near 5.6%; 11.9% of adults with a bachelor’s degree or higher (about 21.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Construction, and Retail trade; about 7.5% of workers reporting work-from-home (about 7.7 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 $174,600 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $620 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 79.0% (about 13.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32462 in Vernon, FL, a household would need roughly $48,000 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 $1,122. That is roughly in line with the local median household income ($43,581). 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 Vernon city, 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 Vernon city, FL show little to no average snow and around 59.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 154 for ZIP 32462 (Vernon city, 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.