ZIP Code 32320 — Apalachicola city, FL Demographics & Data

ZIP code 32320 covers Apalachicola, FL in Franklin County with a population of about 3,503.

At a glance, the area shows median age of 53.8 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 32320 is about $51,750 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.3%; unemployment rate near 4.7%; 25.4% of adults with a bachelor’s degree or higher (about 8.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Healthcare, and Construction; about 3.8% of workers reporting work-from-home (about 11.4 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 $239,800 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $818 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 67.0% (about 1.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32320 in Apalachicola, FL, a household would need roughly $66,000 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 $1,540. That is about 28% above the local median household income ($51,750), 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 Apalachicola city, 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 Apalachicola city, FL show little to no average snow and around 53.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 157 for ZIP 32320 (Apalachicola 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.