ZIP Code 32464 — Westville town, FL Demographics & Data

ZIP code 32464 covers Westville, FL in Holmes County with a population of about 3,914.

At a glance, the area shows median age of 43.8 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 32464 is about $57,056 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.9%; unemployment rate near 3.9%; 20.0% of adults with a bachelor’s degree or higher (about 13.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 11.7% of workers reporting work-from-home (about 3.5 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 $110,800 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.4% (about 26.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32464 in Westville, FL, a household would need roughly $31,000 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 $712. That sits below the local median household income ($57,056), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Westville town, FL as Relatively Low (composite score 49.4), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (91.5) and wildfire (32.2). 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 Westville town, FL show little to no average snow.

IRS migration statistics show a net inflow of about 175 for ZIP 32464 (Westville town, 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.