32164 ZIP Code — Palm Coast, FL

Flagler County, Florida

ZIP code 32164 is located in Palm Coast, Florida, within Flagler County. It covers approximately 32.51 square miles and serves a population of 50,721 residents. This is a po box ZIP code in the Eastern (ET) timezone, served by area code 386.

About ZIP code 32164

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $275,000. Owner-occupancy sits near the national average at 73%.

The gap between median ($70,064) and mean household income suggests income inequality — a small number of higher earners pull the average up. 49% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

50,721

population

32.51

sq mi land

PO Box

ZIP type

Eastern (ET)

timezone

32164 ZIP code map

Cities in ZIP code 32164

Below are the cities the US Postal Service accepts for ZIP code 32164. Using any city not on this list may result in mail delivery delays.

City	Status
Palm Coast	Acceptable

Demographics updated 06/2026

Population
Total population	50,721
Population density	1,560 / sq mi
State FIPS	12
County FIPS	035

Geography
Land area	32.51 sq mi
Water area	0.20 sq mi
Latitude	29.4803
Longitude	-81.2140
Timezone	Eastern (ET)
Area code	386

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.0%	43.3%	43.4%
$50k – $100k	35.6%	32.3%	30.8%
$100k – $200k	18.4%	19.7%	19.3%
Over $200k	2.9%	4.7%	6.4%

Demographics & statistics

50,721

Population

1,560

People per sq mi

47.8

Median age

$70,064

Median household income

$38,581

Per capita income

$275,000

Median home value

$1,589

Median monthly rent

72.9%

Home ownership

8.8%

Poverty rate

3.9%

Unemployment

16,318

Housing units

22.8%

Bachelor's or higher

Age distribution

Male Female

833

Under 5

890

1,385

5–9

1,479

1,541

10–14

1,647

1,228

15–19

1,312

1,183

20–24

1,263

2,785

25–34

2,975

2,448

35–44

2,616

2,840

45–54

3,035

1,508

55–59

1,612

1,966

60–64

2,100

4,116

65–74

4,397

1,854

75–84

1,981

835

85+

892

← Male

Female →

Age summary

Group	Count	%
Under 18	9,379	18.5%
18 and over	41,342	81.5%
65 and over	14,075	27.7%
Median age	47.8 years

Race & ethnicity

White 64.3%

Black or African American 12.3%

Hispanic or Latino 9.4%

Two or more races 5.9%

Other race 5.6%

Asian 2.1%

Native Hawaiian / Pacific Islander 0.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	36,010	64.3%
Black or African American	6,894	12.3%
Hispanic or Latino	5,282	9.4%
Two or more races	3,312	5.9%
Other race	3,116	5.6%
Asian	1,163	2.1%
Native Hawaiian / Pacific Islander	118	0.2%
American Indian / Alaska Native	108	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.0%	43.3%	43.4%
$50k – $100k	35.6%	32.3%	30.8%
$100k – $200k	18.4%	19.7%	19.3%
Over $200k	2.9%	4.7%	6.4%

Under $10k 3.8%

$10k–$15k 2.3%

$15k–$25k 7.1%

$25k–$35k 5.7%

$35k–$50k 16.2%

$50k–$75k 17.9%

$75k–$100k 14.7%

$100k–$150k 18.0%

$150k–$200k 7.9%

$200k+ 6.3%

Range	% of households
Under $10k	3.8%
$10k–$15k	2.3%
$15k–$25k	7.1%
$25k–$35k	5.7%
$35k–$50k	16.2%
$50k–$75k	17.9%
$75k–$100k	14.7%
$100k–$150k	18.0%
$150k–$200k	7.9%
$200k+	6.3%
Median income	$70,064

Housing

Home values

Under $50k 1.7%

$50k–$100k 0.2%

$100k–$150k 2.2%

$150k–$200k 11.6%

$200k–$300k 46.7%

$300k–$500k 34.9%

$500k–$1M 2.2%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$275,000
Median rent / month	$1,589
Owner occupied	72.9%
Renter occupied	27.1%
Vacant	9.2%
Single-family detached	91.0%
Large apartment buildings	2.1%
Mobile homes	0.1%
Median rooms	5.8
Avg household size (owned)	2.53

Year built

Era	%
2020 or later	1.3%
2010–2019	9.9%
2000–2009	50.4%
1990–1999	24.2%
1980–1989	10.7%
1970–1979	2.4%
1960–1969	0.2%
1950–1959	0.2%
1940–1949	0.0%
1939 or earlier	0.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	1.6%
2 bedrooms	9.6%
3 bedrooms	63.5%
4 bedrooms	22.5%
5+ bedrooms	2.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	32.8%
2 vehicles	44.1%
3 or more	19.3%

Heating fuel

Fuel type	%
Utility gas	2.1%
Electricity	95.4%
Propane / LP gas	0.1%
Solar	0.3%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	11,559	58.8%
Cohabiting couple	1,143	5.8%
Male householder, no spouse	2,227	11.3%
Female householder, no spouse	4,720	24.0%
Households with children under 18	5,213	26.5%
Households with seniors (65+)	9,230	47.0%
Average household size	2.57

Marital status

Status	Male	Female
Never married	25.7%	19.7%
Married	59.2%	52.7%
Separated	0.7%	2.6%
Widowed	3.1%	10.1%
Divorced	11.2%	14.8%

Education

Less than 9th grade 3.9%

Some HS, no diploma 5.6%

HS graduate 31.4%

Some college, no degree 24.8%

Associate's degree 11.5%

Bachelor's degree 15.5%

Graduate / professional 7.3%

Metric	%
HS diploma or higher	90.5%
Bachelor's or higher	22.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	501	4.7%
Kindergarten	493	4.6%
Elementary school	5,354	50.0%
High school	2,165	20.2%
College / grad school	2,185	20.4%

Employment

Industry of employment

Education & healthcare 22.6%

Retail trade 14.0%

Professional & management 13.9%

Arts, food & hospitality 9.1%

Construction 8.6%

Finance & real estate 7.1%

Transportation & utilities 6.8%

Public administration 5.1%

Manufacturing 5.0%

Other services 3.7%

Information 2.0%

Wholesale trade 1.9%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	32.9%
Service	16.9%
Sales & office	25.6%
Natural resources & construction	11.0%
Production & transportation	13.6%

Employment type

Type	%
Private sector	79.2%
Government	14.2%
Self-employed	6.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	69.7%
Carpool	15.4%
Public transit	0.3%
Walk	0.2%
Work from home	13.1%
Other means	1.3%
Avg commute (minutes)	26.3

Poverty

All people 8.8%

Under 18 years 11.4%

18 and over 8.2%

Married-couple families 4.0%

Female-led households 20.1%

Income support

Source	% of households
Social Security	48.5%
Retirement income	36.1%
Supplemental Security	5.7%
Cash public assistance	1.5%
Food stamps / SNAP	8.3%

Health indicators

Condition	%
Obesity	33.6%
High blood pressure	37.0%
High cholesterol	34.1%
Diabetes	12.5%
Heart disease	7.8%
Stroke	3.9%
Asthma	9.1%
Arthritis	27.4%
Kidney disease	3.5%
Pulmonary disease	9.3%
Cancer	7.4%

Behavior / access	%
Smoking	20.6%
Binge drinking	14.7%
No physical activity	26.1%
Less than 7 hrs sleep	36.2%
Depression	21.0%
Fair or poor health	18.0%
Poor mental health	15.8%
Poor physical health	12.8%
No health insurance	21.0%
Visited doctor (checkup)	77.8%
Visited dentist	53.2%
Cholesterol screening	90.8%
Teeth loss	16.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	4,503	10.9%

Disability	%
Any disability	15.7%
Under 18	3.9%
18–64 years	11.0%
65 and over	32.6%

Health insurance coverage

Type	%
Private insurance	63.1%
Public insurance	42.9%
No insurance	10.5%
Uninsured under 19	9.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	48,998	96.6%
Spanish	4,067	8.3%
Other Indo-European	1,706	3.5%
Asian & Pacific Islander	1,892	3.9%
Other languages	345	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	43,265	85.3%
Born in same state	41,679	82.2%
Born in different state	13,941	27.5%
Foreign born	1,586	3.1%
Naturalized citizen	7,456	14.7%
Not a US citizen	4,788	64.2%

Ancestry

Ancestry	Count	%
Italian	4,849	9.6%
Arab	4,314	8.5%
French	4,071	8%
English	482	1%
Polish	370	0.7%

Ancestry	Count	%
German	361	0.7%
Norwegian	141	0.3%
Irish	120	0.2%
Dutch	102	0.2%

Technology access

Metric	% of households
Computer access	38.7%
Internet access	93.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32164

What part of Palm Coast is ZIP code 32164?

ZIP code 32164 covers a portion of Palm Coast, Florida, within Flagler County.

What county is ZIP code 32164 in?

ZIP code 32164 falls within Flagler County, Florida.

Does ZIP code 32164 have an older population?

28% of residents in ZIP code 32164 are 65 or older, above the national average of ~17%.

Does ZIP code 32164 have a large retiree population?

49% of households in ZIP code 32164 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 32164 have a large veteran population?

11% of civilians in ZIP code 32164 are veterans, above the national average of ~7%.

What is the population of ZIP code 32164?

ZIP code 32164 has an estimated population of 50,721 residents, with a density of 1,560 people per square mile.

What timezone is ZIP code 32164 in?

ZIP code 32164 observes the EST timezone.