32431 ZIP Code — Cottondale, FL

Jackson County, Florida

ZIP code 32431 is located in Cottondale, Florida, within Jackson County. It covers approximately 105.77 square miles and serves a population of 4,515 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32431

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $113,000. Owner-occupancy is high at 79%, well above the national average.

Median household income is $54,821. 42% 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 24 minutes is near the national average.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (26%) compared to national benchmarks.

Overall, ZIP code 32431 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,515

population

105.77

sq mi land

Standard

ZIP type

Central (CT)

timezone

32431 ZIP code map

Cities in ZIP code 32431

Below are the cities the US Postal Service accepts for ZIP code 32431. Using any city not on this list may result in mail delivery delays.

City	Status
Cottondale	Acceptable
Cottondale	Preferred

Nearby ZIP codes

32440 Graceville (8.9 mi) 32426 Campbellton (9.7 mi) 32420 Alford (11.2 mi) 32446 Marianna (12 mi) 32428 Chipley (15.7 mi) 32448 Marianna (16 mi) 32445 Malone (16.9 mi) 32443 Greenwood (17.4 mi) 36320 Cottonwood (17.7 mi) 32425 Bonifay (19.2 mi) 32425 Bonifay (19.2 mi) 32425 Bonifay (19.2 mi)

Demographics updated 05/2026

Population
Total population	4,515
Population density	43 / sq mi
State FIPS	12
County FIPS	063

Geography
Land area	105.77 sq mi
Water area	7.27 sq mi
Latitude	30.8072
Longitude	-85.4094
Timezone	Central (CT)
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	53.3%	58.8%	43.4%
$50k – $100k	30.4%	28.5%	30.8%
$100k – $200k	12.3%	10.6%	19.3%
Over $200k	4.0%	2.2%	6.4%

Demographics & statistics

4,515

Population

People per sq mi

48.2

Median age

$54,821

Median household income

$24,357

Per capita income

$113,000

Median home value

$759

Median monthly rent

79.1%

Home ownership

17.3%

Poverty rate

3.5%

Unemployment

1,858

Housing units

15.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

124

5–9

129

137

10–14

142

144

15–19

151

20–24

266

25–34

277

194

35–44

202

318

45–54

332

170

55–59

178

209

60–64

217

293

65–74

306

164

75–84

171

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	914	20.2%
18 and over	3,601	79.8%
65 and over	1,027	22.7%
Median age	48.2 years

Race & ethnicity

White 85.2%

Black or African American 10.4%

Two or more races 2.9%

Hispanic or Latino 1.1%

Other race 0.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	3,890	85.2%
Black or African American	477	10.4%
Two or more races	132	2.9%
Hispanic or Latino	52	1.1%
Other race	10	0.2%
American Indian / Alaska Native	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.3%	58.8%	43.4%
$50k – $100k	30.4%	28.5%	30.8%
$100k – $200k	12.3%	10.6%	19.3%
Over $200k	4.0%	2.2%	6.4%

Under $10k 6.1%

$10k–$15k 8.0%

$15k–$25k 10.3%

$25k–$35k 12.4%

$35k–$50k 10.6%

$50k–$75k 21.1%

$75k–$100k 16.2%

$100k–$150k 10.6%

$150k–$200k 3.9%

$200k+ 0.6%

Range	% of households
Under $10k	6.1%
$10k–$15k	8.0%
$15k–$25k	10.3%
$25k–$35k	12.4%
$35k–$50k	10.6%
$50k–$75k	21.1%
$75k–$100k	16.2%
$100k–$150k	10.6%
$150k–$200k	3.9%
$200k+	0.6%
Median income	$54,821

Housing

Home values

Under $50k 13.0%

$50k–$100k 32.6%

$100k–$150k 13.2%

$150k–$200k 14.0%

$200k–$300k 12.8%

$300k–$500k 11.0%

$500k–$1M 2.6%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$113,000
Median rent / month	$759
Owner occupied	79.1%
Renter occupied	20.9%
Vacant	17.5%
Single-family detached	61.1%
Large apartment buildings	0.3%
Mobile homes	35.6%
Median rooms	5.7
Avg household size (owned)	2.56

Year built

Era	%
2020 or later	0.0%
2010–2019	2.9%
2000–2009	6.5%
1990–1999	25.7%
1980–1989	21.0%
1970–1979	15.3%
1960–1969	11.8%
1950–1959	7.7%
1940–1949	3.4%
1939 or earlier	5.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	3.5%
2 bedrooms	20.8%
3 bedrooms	60.4%
4 bedrooms	12.8%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	6.2%
1 vehicle	29.3%
2 vehicles	33.3%
3 or more	31.2%

Heating fuel

Fuel type	%
Utility gas	0.5%
Electricity	91.0%
Propane / LP gas	7.6%
Wood	0.4%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	926	50.0%
Cohabiting couple	108	5.8%
Male householder, no spouse	307	16.6%
Female householder, no spouse	511	27.6%
Households with children under 18	498	26.9%
Households with seniors (65+)	691	37.3%
Average household size	2.44

Marital status

Status	Male	Female
Never married	26.5%	18.1%
Married	55.5%	47.1%
Separated	1.5%	2.2%
Widowed	3.6%	14.6%
Divorced	12.9%	17.9%

Education

Less than 9th grade 2.5%

Some HS, no diploma 9.1%

HS graduate 48.8%

Some college, no degree 18.9%

Associate's degree 5.6%

Bachelor's degree 9.8%

Graduate / professional 5.3%

Metric	%
HS diploma or higher	88.4%
Bachelor's or higher	15.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	14	1.7%
Kindergarten	37	4.4%
Elementary school	508	60.3%
High school	166	19.7%
College / grad school	117	13.9%

Employment

Industry of employment

Education & healthcare 19.0%

Construction 12.3%

Other services 9.3%

Retail trade 8.0%

Arts, food & hospitality 7.9%

Agriculture & mining 7.7%

Transportation & utilities 7.6%

Professional & management 6.6%

Public administration 6.4%

Manufacturing 6.1%

Wholesale trade 3.9%

Finance & real estate 3.4%

Information 1.9%

Occupation

Category	%
Management, business & arts	30.2%
Service	20.8%
Sales & office	19.3%
Natural resources & construction	18.9%
Production & transportation	10.7%

Employment type

Type	%
Private sector	65.8%
Government	16.3%
Self-employed	17.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.9%
Carpool	8.3%
Public transit	0.2%
Walk	0.0%
Work from home	11.3%
Other means	2.4%
Avg commute (minutes)	23.8

Poverty

All people 17.3%

Under 18 years 27.4%

18 and over 14.7%

Married-couple families 2.3%

Female-led households 29.9%

Income support

Source	% of households
Social Security	42.3%
Retirement income	27.1%
Supplemental Security	8.8%
Cash public assistance	1.8%
Food stamps / SNAP	16.8%

Health indicators

Condition	%
Obesity	35.0%
High blood pressure	41.6%
High cholesterol	35.0%
Diabetes	14.9%
Heart disease	9.0%
Stroke	4.8%
Asthma	10.1%
Arthritis	29.9%
Kidney disease	3.9%
Pulmonary disease	12.0%
Cancer	7.2%

Behavior / access	%
Smoking	25.6%
Binge drinking	14.2%
No physical activity	32.7%
Less than 7 hrs sleep	38.7%
Depression	22.3%
Fair or poor health	23.1%
Poor mental health	18.0%
Poor physical health	15.4%
No health insurance	24.0%
Visited doctor (checkup)	77.1%
Visited dentist	51.1%
Cholesterol screening	89.3%
Teeth loss	21.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	319	8.9%

Disability	%
Any disability	20.7%
Under 18	6.1%
18–64 years	14.7%
65 and over	48.7%

Health insurance coverage

Type	%
Private insurance	48.6%
Public insurance	52.4%
No insurance	12.0%
Uninsured under 19	5.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,371	96.8%
Spanish	35	0.8%
Other Indo-European	35	0.8%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,508	99.8%
Born in same state	4,496	99.6%
Born in different state	2,899	64.2%
Foreign born	12	0.3%
Naturalized citizen	7	0.2%
Not a US citizen	7	100.0%

Ancestry

Ancestry	Count	%
Arab	783	17.3%
French	574	12.7%

Ancestry	Count	%
Italian	209	4.6%
Polish	15	0.3%

Technology access

Metric	% of households
Computer access	41.0%
Internet access	82.2%

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

Frequently asked questions about ZIP code 32431

What city is ZIP code 32431 in?

ZIP code 32431 is primarily assigned to Cottondale, Florida.

What county is ZIP code 32431 in?

ZIP code 32431 falls within Jackson County, Florida.

What is the poverty rate in ZIP code 32431?

17% of residents in ZIP code 32431 live below the poverty line, above the national average.

Does ZIP code 32431 have a large retiree population?

42% of households in ZIP code 32431 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 32431?

The median home value in ZIP code 32431 is $113,000.

What is the population of ZIP code 32431?

ZIP code 32431 has an estimated population of 4,515 residents, with a density of 43 people per square mile.

What timezone is ZIP code 32431 in?

ZIP code 32431 observes the CST timezone.