ZIP Code 32456 — Port St. Joe city, FL Demographics & Data

ZIP code 32456 covers Port St. Joe, FL in Gulf County with a population of about 7,304.

At a glance, the area shows median age of 57.5 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.

Port St. Joe, FL fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 32456 is about $73,723 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.8%; unemployment rate near 4.9%; 37.3% of adults with a bachelor’s degree or higher (about 3.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 13.6% of workers reporting work-from-home (about 1.6 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 $338,100 — about 3% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,082 (about 7% below the U.S. median rent ($1,163)), and owner-occupancy near 81.2% (about 15.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32456 in Port St. Joe, FL, a household would need roughly $93,000 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 $2,172. That is about 26% above the local median household income ($73,723), 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 Port St. Joe city, FL as Relatively Low (composite score 59.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (93.4) and wildfire (74.2). 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 Port St. Joe 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 327 for ZIP 32456 (Port St. Joe 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.