ZIP Code 32439 — Freeport city, FL Demographics & Data

ZIP code 32439 covers Freeport, FL in Walton County with a population of about 15,264.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area codes 448, 850; U.S. House district FL-1; the PANAMA CITY media market.

Median household income in ZIP 32439 is about $77,500 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.8%; unemployment rate near 3.2%; 30.2% of adults with a bachelor’s degree or higher (about 3.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Construction, and Retail trade; about 13.3% of workers reporting work-from-home (about 1.9 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 $343,900 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,300 (about 12% above the U.S. median rent ($1,163)), and owner-occupancy near 74.4% (about 9.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32439 in Freeport, FL, a household would need roughly $95,000 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 $2,209. That is about 23% above the local median household income ($77,500), 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 Freeport city, 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 Freeport city, FL show little to no average snow and around 64.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 683 for ZIP 32439 (Freeport 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.