32322 ZIP Code — Carrabelle, FL

Franklin County, Florida

ZIP code 32322 is located in Carrabelle, Florida, within Franklin County. It covers approximately 75.38 square miles and serves a population of 4,253 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 850.

About ZIP code 32322

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $202,200. Owner-occupancy is high at 82%, well above the national average.

Median household income is $45,625. Poverty affects 32% of residents, above the national average. SNAP benefit usage at 30% 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 service, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%; and disability rates above the national average at 26%.

Overall, ZIP code 32322 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

4,253

population

75.38

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32322 ZIP code map

Cities in ZIP code 32322

Below are the cities the US Postal Service accepts for ZIP code 32322. Using any city not on this list may result in mail delivery delays.

City	Status
Carrabelle	Preferred

Nearby ZIP codes

32346 Panacea (15.2 mi) 32328 Eastpoint (15.4 mi) 32358 Sopchoppy (17.5 mi)

Demographics updated 05/2026

Population
Total population	4,253
Population density	56 / sq mi
State FIPS	12
County FIPS	037

Geography
Land area	75.38 sq mi
Water area	69.23 sq mi
Latitude	29.8950
Longitude	-84.6632
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	65.0%	53.2%	43.4%
$50k – $100k	17.3%	29.7%	30.8%
$100k – $200k	13.9%	13.8%	19.3%
Over $200k	3.7%	3.3%	6.4%

Demographics & statistics

4,253

Population

People per sq mi

38.2

Median age

$45,625

Median household income

$18,247

Per capita income

$202,200

Median home value

$1,113

Median monthly rent

82.0%

Home ownership

31.7%

Poverty rate

6.2%

Unemployment

1,867

Housing units

10.5%

Bachelor's or higher

Age distribution

Male Female

138

Under 5

119

5–9

102

10–14

15–19

144

20–24

599

25–34

303

389

35–44

197

319

45–54

162

160

55–59

193

60–64

354

65–74

179

155

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	644	15.1%
18 and over	3,609	84.9%
65 and over	854	20.1%
Median age	38.2 years

Race & ethnicity

White 57.9%

Black or African American 13.5%

Hispanic or Latino 12.5%

Two or more races 9.6%

Other race 6.1%

American Indian / Alaska Native 0.3%

Asian 0.1%

Group	Count	%
White	2,815	57.9%
Black or African American	658	13.5%
Hispanic or Latino	610	12.5%
Two or more races	465	9.6%
Other race	296	6.1%
American Indian / Alaska Native	16	0.3%
Asian	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.0%	53.2%	43.4%
$50k – $100k	17.3%	29.7%	30.8%
$100k – $200k	13.9%	13.8%	19.3%
Over $200k	3.7%	3.3%	6.4%

Under $10k 6.8%

$10k–$15k 5.7%

$15k–$25k 16.8%

$25k–$35k 14.4%

$35k–$50k 10.4%

$50k–$75k 21.1%

$75k–$100k 10.9%

$100k–$150k 8.6%

$150k–$200k 1.9%

$200k+ 3.5%

Range	% of households
Under $10k	6.8%
$10k–$15k	5.7%
$15k–$25k	16.8%
$25k–$35k	14.4%
$35k–$50k	10.4%
$50k–$75k	21.1%
$75k–$100k	10.9%
$100k–$150k	8.6%
$150k–$200k	1.9%
$200k+	3.5%
Median income	$45,625

Housing

Home values

Under $50k 9.0%

$50k–$100k 16.5%

$100k–$150k 15.6%

$150k–$200k 8.3%

$200k–$300k 27.4%

$300k–$500k 14.2%

$500k–$1M 6.5%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$202,200
Median rent / month	$1,113
Owner occupied	82.0%
Renter occupied	18.0%
Vacant	43.0%
Single-family detached	61.2%
Large apartment buildings	1.5%
Mobile homes	24.7%
Median rooms	4.7
Avg household size (owned)	2.30

Year built

Era	%
2020 or later	2.0%
2010–2019	8.2%
2000–2009	18.5%
1990–1999	16.9%
1980–1989	18.6%
1970–1979	7.8%
1960–1969	10.3%
1950–1959	7.6%
1940–1949	2.8%
1939 or earlier	7.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	10.2%
2 bedrooms	35.5%
3 bedrooms	43.8%
4 bedrooms	8.3%
5+ bedrooms	0.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	47.4%
2 vehicles	37.9%
3 or more	11.7%

Heating fuel

Fuel type	%
Utility gas	0.2%
Electricity	86.3%
Propane / LP gas	11.9%
Fuel oil	0.3%
Solar	1.0%

Households & families

Household type	Count	%
Married-couple family	460	38.8%
Cohabiting couple	168	14.2%
Male householder, no spouse	238	20.1%
Female householder, no spouse	320	27.0%
Households with children under 18	224	18.9%
Households with seniors (65+)	560	47.2%
Average household size	2.35

Marital status

Status	Male	Female
Never married	59.2%	26.2%
Married	23.2%	40.5%
Separated	4.7%	1.0%
Widowed	1.6%	11.0%
Divorced	11.2%	21.2%

Education

Less than 9th grade 5.5%

Some HS, no diploma 22.0%

HS graduate 40.7%

Some college, no degree 16.2%

Associate's degree 5.1%

Bachelor's degree 5.8%

Graduate / professional 4.6%

Metric	%
HS diploma or higher	72.4%
Bachelor's or higher	10.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	27	3.6%
Kindergarten	33	4.4%
Elementary school	260	34.6%
High school	289	38.5%
College / grad school	142	18.9%

Employment

Industry of employment

Education & healthcare 19.1%

Construction 15.0%

Public administration 12.2%

Finance & real estate 11.2%

Arts, food & hospitality 9.9%

Other services 7.9%

Retail trade 7.5%

Manufacturing 5.2%

Professional & management 4.1%

Transportation & utilities 3.8%

Agriculture & mining 3.2%

Information 0.5%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	24.4%
Service	32.1%
Sales & office	14.4%
Natural resources & construction	19.0%
Production & transportation	10.2%

Employment type

Type	%
Private sector	71.9%
Government	21.2%
Self-employed	6.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.3%
Carpool	11.5%
Public transit	0.0%
Walk	0.9%
Work from home	5.3%
Other means	0.0%
Avg commute (minutes)	23.2

Poverty

All people 31.7%

Under 18 years 78.1%

18 and over 17.8%

Married-couple families 3.7%

Female-led households 60.1%

Income support

Source	% of households
Social Security	50.5%
Retirement income	28.3%
Supplemental Security	7.7%
Cash public assistance	4.0%
Food stamps / SNAP	29.5%

Health indicators

Condition	%
Obesity	39.8%
High blood pressure	37.3%
High cholesterol	32.8%
Diabetes	11.6%
Heart disease	7.7%
Stroke	3.9%
Asthma	8.6%
Arthritis	23.7%
Kidney disease	3.3%
Pulmonary disease	10.2%
Cancer	5.9%

Behavior / access	%
Smoking	25.1%
Binge drinking	17.0%
No physical activity	30.2%
Less than 7 hrs sleep	36.4%
Depression	18.6%
Fair or poor health	20.5%
Poor mental health	16.8%
Poor physical health	13.8%
No health insurance	28.6%
Visited doctor (checkup)	72.9%
Visited dentist	44.7%
Cholesterol screening	86.5%
Teeth loss	20.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	401	11.1%

Disability	%
Any disability	26.2%
Under 18	1.7%
18–64 years	23.5%
65 and over	50.9%

Health insurance coverage

Type	%
Private insurance	39.9%
Public insurance	64.7%
No insurance	11.2%
Uninsured under 19	1.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,045	95.1%
Spanish	220	5.4%
Other Indo-European	186	4.6%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,033	94.8%
Born in same state	3,815	89.7%
Born in different state	2,317	54.5%
Foreign born	218	5.1%
Naturalized citizen	220	5.2%
Not a US citizen	48	21.8%

Ancestry

Ancestry	Count	%
Italian	365	8.6%
French	349	8.2%
Arab	190	4.5%
English	47	1.1%
German	22	0.5%

Ancestry	Count	%
Irish	10	0.2%
Norwegian	10	0.2%
Dutch	7	0.2%
Polish	3	0.1%

Technology access

Metric	% of households
Computer access	27.9%
Internet access	86.3%

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

Frequently asked questions about ZIP code 32322

What city is ZIP code 32322 in?

ZIP code 32322 is primarily assigned to Carrabelle, Florida.

What county is ZIP code 32322 in?

ZIP code 32322 falls within Franklin County, Florida.

What is the poverty rate in ZIP code 32322?

32% of residents in ZIP code 32322 live below the poverty line, above the national average.

Does ZIP code 32322 have a large retiree population?

51% of households in ZIP code 32322 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 32322?

11% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 32322 mostly owner-occupied?

82% of occupied units in ZIP code 32322 are owner-occupied, well above the national average.

What timezone is ZIP code 32322 in?

ZIP code 32322 observes the EST timezone.