ZIP Code 32164 — Palm Coast city, FL Demographics & Data

ZIP code 32164 covers Palm Coast, FL in Flagler County with a population of about 53,963.

At a glance, the area shows median age of 47.4 versus a U.S. median of about 38.9.

It sits in telephone area code 386; U.S. House district FL-6; the ORLANDO - DAYTONA BCH - MELBRN media market.

Palm Coast, FL sits in a university / college context (near flagler technical college (0.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 32164 is about $71,738 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 3.7%; 25.6% of adults with a bachelor’s degree or higher (about 8.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 15.3% of workers reporting work-from-home (roughly in line with 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 $308,100 — about 11% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,476 (about 27% above the U.S. median rent ($1,163)), and owner-occupancy near 76.2% (about 10.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32164 in Palm Coast, FL, a household would need roughly $85,000 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 $1,979. That is about 18% above the local median household income ($71,738), 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 Palm Coast city, FL as Relatively Moderate (composite score 82.8), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (95.0) and wildfire (88.2). 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 Palm Coast city, FL show little to no average snow and around 51.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,415 for ZIP 32164 (Palm Coast 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.