32320 ZIP Code — Apalachicola, FL

Franklin County, Florida

ZIP code 32320 is located in Apalachicola, Florida, within Franklin County. It covers approximately 31.98 square miles and serves a population of 3,707 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 850.

About ZIP code 32320

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $225,400. Owner-occupancy sits near the national average at 73%.

Median household income is $60,528. SNAP benefit usage at 21% of households reflects economic stress in the area. 51% 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 20 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 (22%) compared to national benchmarks. 27% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 29%.

Overall, ZIP code 32320 reflects a community defined by a significant Social Security-dependent population and elevated reliance on food assistance.

3,707
population
31.98
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
32320 ZIP code map
Cities in ZIP code 32320

Below are the cities the US Postal Service accepts for ZIP code 32320. Using any city not on this list may result in mail delivery delays.

City Status
Apalachicola Preferred
Nearby ZIP codes
32456 Port Saint Joe (11.9 mi) 32328 Eastpoint (12.7 mi) 32465 Wewahitchka (19.4 mi)
Demographics updated 05/2026
Population
Total population 3,707
Population density 116 / sq mi
State FIPS 12
County FIPS 037
Geography
Land area 31.98 sq mi
Water area 14.34 sq mi
Latitude 29.7267
Longitude -85.0889
Timezone Eastern (ET)
Area code 850
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 46.4% 53.2% 43.4%
$50k – $100k 40.3% 29.7% 30.8%
$100k – $200k 12.5% 13.8% 19.3%
Over $200k 0.8% 3.3% 6.4%

Demographics & statistics

3,707
Population
116
People per sq mi
53.6
Median age
$60,528
Median household income
$33,018
Per capita income
$225,400
Median home value
$1,404
Median monthly rent
73.2%
Home ownership
16.6%
Poverty rate
7.8%
Unemployment
1,642
Housing units
22.8%
Bachelor's or higher

Age distribution

Male Female
48
Under 5
52
136
5–9
145
64
10–14
69
66
15–19
70
19
20–24
21
224
25–34
240
155
35–44
166
214
45–54
230
203
55–59
218
159
60–64
171
306
65–74
327
161
75–84
173
34
85+
36
← Male
Female →

Age summary

GroupCount%
Under 1859216.0%
18 and over3,11584.0%
65 and over1,03728.0%
Median age53.6 years

Race & ethnicity

White 76%
Black or African American 16.9%
Two or more races 3.3%
Hispanic or Latino 2%
Other race 1%
Asian 0.9%
GroupCount%
White2,87276%
Black or African American63916.9%
Two or more races1233.3%
Hispanic or Latino742%
Other race391%
Asian340.9%

Household income

Income range This ZIP County avg State avg
Under $50k 46.4% 53.2% 43.4%
$50k – $100k 40.3% 29.7% 30.8%
$100k – $200k 12.5% 13.8% 19.3%
Over $200k 0.8% 3.3% 6.4%
Under $10k 6.7%
$10k–$15k 7.7%
$15k–$25k 8.8%
$25k–$35k 10.2%
$35k–$50k 6.8%
$50k–$75k 28.4%
$75k–$100k 12.9%
$100k–$150k 9.9%
$150k–$200k 5.2%
$200k+ 3.3%
Range% of households
Under $10k6.7%
$10k–$15k7.7%
$15k–$25k8.8%
$25k–$35k10.2%
$35k–$50k6.8%
$50k–$75k28.4%
$75k–$100k12.9%
$100k–$150k9.9%
$150k–$200k5.2%
$200k+3.3%
Median income$60,528

Housing

Home values

Under $50k 6.5%
$50k–$100k 16.8%
$100k–$150k 12.1%
$150k–$200k 7.6%
$200k–$300k 18.2%
$300k–$500k 33.1%
$500k–$1M 4.4%
$1M+ 1.3%

Housing overview

MetricValue
Median home value$225,400
Median rent / month$1,404
Owner occupied73.2%
Renter occupied26.8%
Vacant20.7%
Single-family detached70.8%
Large apartment buildings2.0%
Mobile homes18.1%
Median rooms5.0
Avg household size (owned)2.22

Year built

Era%
2020 or later0.0%
2010–20192.1%
2000–200912.8%
1990–19999.1%
1980–198919.0%
1970–197913.0%
1960–19697.0%
1950–19598.9%
1940–19496.2%
1939 or earlier21.9%

Bedrooms

Size% of units
No bedroom (studio)0.0%
1 bedroom7.5%
2 bedrooms39.3%
3 bedrooms36.5%
4 bedrooms13.7%
5+ bedrooms3.0%

Vehicles per household

Vehicles% of households
No vehicle13.9%
1 vehicle34.0%
2 vehicles37.8%
3 or more14.3%

Heating fuel

Fuel type%
Utility gas0.9%
Electricity87.3%
Propane / LP gas10.0%
Wood0.4%
Solar0.2%
No fuel used1.3%

Households & families

Household typeCount%
Married-couple family69942.3%
Cohabiting couple1438.7%
Male householder, no spouse28417.2%
Female householder, no spouse52631.8%
Households with children under 1825215.3%
Households with seniors (65+)81449.3%
Average household size2.23

Marital status

StatusMaleFemale
Never married24.6%26.3%
Married52.1%44.1%
Separated3.3%2.3%
Widowed4.9%12.4%
Divorced15.1%15.0%

Education

Less than 9th grade 9.6%
Some HS, no diploma 12.3%
HS graduate 28.7%
Some college, no degree 17.2%
Associate's degree 9.3%
Bachelor's degree 13.1%
Graduate / professional 9.7%
Metric%
HS diploma or higher78.0%
Bachelor's or higher22.8%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool6311.6%
Kindergarten346.2%
Elementary school28051.4%
High school12723.3%
College / grad school417.5%

Employment

Industry of employment

Education & healthcare 20.2%
Retail trade 15.9%
Public administration 12.7%
Arts, food & hospitality 11.7%
Construction 10.9%
Professional & management 10.0%
Finance & real estate 7.6%
Manufacturing 4.2%
Other services 2.8%
Agriculture & mining 1.5%
Transportation & utilities 1.5%
Wholesale trade 1.1%

Occupation

Category%
Management, business & arts29.6%
Service22.5%
Sales & office23.3%
Natural resources & construction15.3%
Production & transportation9.3%

Employment type

Type%
Private sector72.9%
Government18.1%
Self-employed9.0%
Unpaid family workers0.0%

Commute

Method%
Drive alone74.7%
Carpool14.1%
Public transit0.0%
Walk3.1%
Work from home2.3%
Other means5.8%
Avg commute (minutes)20.2

Poverty

All people 16.6%
Under 18 years 23.2%
18 and over 15.3%
Married-couple families 3.0%
Female-led households 26.9%

Income support

Source% of households
Social Security50.8%
Retirement income36.9%
Supplemental Security3.3%
Cash public assistance1.8%
Food stamps / SNAP21.3%

Health indicators

Condition%
Obesity38.1%
High blood pressure38.0%
High cholesterol34.0%
Diabetes12.1%
Heart disease7.6%
Stroke4.0%
Asthma9.3%
Arthritis26.2%
Kidney disease3.4%
Pulmonary disease9.9%
Cancer6.9%
Behavior / access%
Smoking21.8%
Binge drinking15.0%
No physical activity28.5%
Less than 7 hrs sleep34.8%
Depression19.7%
Fair or poor health19.1%
Poor mental health16.8%
Poor physical health13.5%
No health insurance23.8%
Visited doctor (checkup)75.7%
Visited dentist51.1%
Cholesterol screening89.2%
Teeth loss17.1%

Veterans & disability

VeteransCount%
Civilian veterans32610.5%
Disability%
Any disability29.2%
Under 180.3%
18–64 years28.5%
65 and over47.3%

Health insurance coverage

Type%
Private insurance49.6%
Public insurance43.9%
No insurance27.4%
Uninsured under 1933.5%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only3,60797.3%
Spanish110.3%
Other Indo-European110.3%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)3,58696.7%
Born in same state3,57696.5%
Born in different state2,56869.3%
Foreign born100.3%
Naturalized citizen1213.3%
Not a US citizen9477.7%

Ancestry

AncestryCount%
French58715.8%
Arab49713.4%
Italian3389.1%
AncestryCount%
German250.7%
English170.5%
Polish60.2%

Technology access

Metric% of households
Computer access44.6%
Internet access92.7%

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

Frequently asked questions about ZIP code 32320

What city is ZIP code 32320 in?

ZIP code 32320 is primarily assigned to Apalachicola, Florida.

What county is ZIP code 32320 in?

ZIP code 32320 falls within Franklin County, Florida.

Does ZIP code 32320 have an older population?

28% of residents in ZIP code 32320 are 65 or older, above the national average of ~17%.

Does ZIP code 32320 have a large retiree population?

51% of households in ZIP code 32320 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 32320?

17% of residents in ZIP code 32320 live below the poverty line, above the national average.

Does ZIP code 32320 have a large veteran population?

11% of civilians in ZIP code 32320 are veterans, above the national average of ~7%.

What timezone is ZIP code 32320 in?

ZIP code 32320 observes the EST timezone.

Need the complete ZIP code database? Download all 42,000+ US ZIP codes — Excel, CSV, or Access. Includes lat/lng, county FIPS & timezone.
Download database →