ZIP Code 32909 — Palm Bay city, FL Demographics & Data

ZIP code 32909 covers Palm Bay, FL in Brevard County with a population of about 39,611.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area code 321; U.S. House district FL-8; the ORLANDO - DAYTONA BCH - MELBRN media market.

Palm Bay, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 32909 is about $76,708 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 5.5%; 22.7% of adults with a bachelor’s degree or higher (about 11.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 8.9% of workers reporting work-from-home (about 6.3 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 $261,400 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,350 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32909 in Palm Bay, FL, a household would need roughly $72,000 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 $1,679. That is roughly in line with the local median household income ($76,708). 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 Palm Bay city, FL as Relatively High (composite score 98.4), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.7) and wildfire (97.2). 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 Palm Bay city, FL show little to no average snow and around 55.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,773 for ZIP 32909 (Palm Bay 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.