ZIP Code 32514 — Ferry Pass CDP, FL Demographics & Data

ZIP code 32514 covers Ferry Pass, FL in Escambia County with a population of about 43,072.

At a glance, the area shows median age of 34.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 448, 850; U.S. House district FL-1; the MOBILE - PENSACOLA (FT WALT) media market.

Ferry Pass, FL sits in a university / college context (near university of west florida (1.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 32514 is about $66,484 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.8%; unemployment rate near 4.8%; 32.6% of adults with a bachelor’s degree or higher (about 1.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Finance and insurance; about 16.1% of workers reporting work-from-home (roughly in line with 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 $241,300 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,169 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 51.6% (about 13.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32514 in Ferry Pass, 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 $1,550. That is roughly in line with the local median household income ($66,484). 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 Ferry Pass CDP, FL as Relatively High (composite score 95.1), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.8) and flood (88.7). 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 Ferry Pass CDP, FL show little to no average snow and around 67.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,928 for ZIP 32514 (Ferry Pass CDP, 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.