ZIP Code 32963 — Indian River Shores town, FL Demographics & Data

ZIP code 32963 covers Indian River Shores, FL in Indian River County with a population of about 14,980.

At a glance, the area shows median age of 69.1 versus a U.S. median of about 38.9.

It sits in telephone area code 772; U.S. House district FL-8; the WEST PALM BEACH - FT. PIERCE media market.

Indian River Shores, 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 32963 is about $142,985 — about 90% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 2.4%; 67.8% of adults with a bachelor’s degree or higher (about 34.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 30.2% of workers reporting work-from-home (about 15.0 points above 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 $894,900 — about 157% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,960 (about 69% above the U.S. median rent ($1,163)), and owner-occupancy near 95.1% (about 29.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32963 in Indian River Shores, FL, a household would need roughly $246,000 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 $5,749. That is about 72% above the local median household income ($142,985), 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 Indian River Shores town, FL as Relatively High (composite score 95.6), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.2) and wildfire (88.2). 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 Indian River Shores town, FL show little to no average snow and around 56.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 670 for ZIP 32963 (Indian River Shores 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.