Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
ZIP 32360 is tagged as a military / base community. Loading DoD locality rates… Rates are a planning reference — confirm with finance or the official DTMO BAH lookup.
ZIP code 32360 covers FL in Liberty County with a population of about 109.
At a glance, the area shows median age of 65.1 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 reads as a military / base-oriented community on US5’s intent model (elevated veteran share (26.6%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.
US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.
On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%.
Labor and commute patterns include leading industry context around Public administration, Agriculture, and Administrative support; a mean commute of about 19.0 minutes (U.S. average near 26.8).
Median home value is about $101,700 — about 71% below the U.S. median home value ($348,079).
Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 32360 in FL, a household would need roughly $28,000 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 $653. 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 Very Low (composite score 12.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (82.1) and wildfire (68.6). 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 FL show limited published climate normals on US5.
IRS migration statistics show a net inflow of about 5 for ZIP 32360 (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.