32438 ZIP Code — Fountain, FL

Bay County, Florida

ZIP code 32438 is located in Fountain, Florida, within Bay County. It covers approximately 56.75 square miles and serves a population of 4,858 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32438

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 $119,600. Owner-occupancy is high at 84%, well above the national average.

Median household income is $40,526. Poverty affects 37% of residents, above the national average. SNAP benefit usage at 34% of households reflects economic stress in the area. 44% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. An above-average commute of 46 minutes suggests many residents work outside the immediate area.

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 (28%) compared to national benchmarks. 18% of residents lack health insurance, above the national average.

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 32%.

Overall, ZIP code 32438 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.

4,858

population

56.75

sq mi land

Standard

ZIP type

Central (CT)

timezone

32438 ZIP code map

Cities in ZIP code 32438

Below are the cities the US Postal Service accepts for ZIP code 32438. Using any city not on this list may result in mail delivery delays.

City	Status
Fountain	Preferred

Nearby ZIP codes

32420 Alford (10.1 mi) 32466 Youngstown (11.1 mi) 32430 Clarksville (11.2 mi) 32421 Altha (12.5 mi) 32428 Chipley (13.5 mi) 32449 Wewahitchka (17.7 mi) 32448 Marianna (18 mi)

Demographics updated 05/2026

Population
Total population	4,858
Population density	86 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	56.75 sq mi
Water area	0.29 sq mi
Latitude	30.5014
Longitude	-85.4133
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	61.7%	43.3%	43.4%
$50k – $100k	26.3%	34.8%	30.8%
$100k – $200k	12.0%	17.8%	19.3%
Over $200k	0.0%	4.2%	6.4%

Demographics & statistics

4,858

Population

People per sq mi

41.7

Median age

$40,526

Median household income

$22,665

Per capita income

$119,600

Median home value

$818

Median monthly rent

84.0%

Home ownership

36.5%

Poverty rate

6.1%

Unemployment

1,861

Housing units

11.1%

Bachelor's or higher

Age distribution

Male Female

103

Under 5

184

5–9

151

219

10–14

180

141

15–19

116

321

20–24

263

220

25–34

180

225

35–44

184

462

45–54

379

214

55–59

176

262

60–64

215

228

65–74

187

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,147	23.6%
18 and over	3,711	76.4%
65 and over	579	11.9%
Median age	41.7 years

Race & ethnicity

White 75.6%

Two or more races 13.2%

Hispanic or Latino 8%

Other race 1.9%

American Indian / Alaska Native 0.9%

Black or African American 0.4%

Group	Count	%
White	3,992	75.6%
Two or more races	697	13.2%
Hispanic or Latino	422	8%
Other race	98	1.9%
American Indian / Alaska Native	50	0.9%
Black or African American	21	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.7%	43.3%	43.4%
$50k – $100k	26.3%	34.8%	30.8%
$100k – $200k	12.0%	17.8%	19.3%
Over $200k	0.0%	4.2%	6.4%

Under $10k 7.3%

$10k–$15k 13.1%

$15k–$25k 19.2%

$25k–$35k 5.5%

$35k–$50k 11.9%

$50k–$75k 18.2%

$75k–$100k 5.4%

$100k–$150k 11.2%

$150k–$200k 8.1%

Range	% of households
Under $10k	7.3%
$10k–$15k	13.1%
$15k–$25k	19.2%
$25k–$35k	5.5%
$35k–$50k	11.9%
$50k–$75k	18.2%
$75k–$100k	5.4%
$100k–$150k	11.2%
$150k–$200k	8.1%
Median income	$40,526

Housing

Home values

Under $50k 32.4%

$50k–$100k 13.3%

$100k–$150k 10.5%

$150k–$200k 10.6%

$200k–$300k 14.6%

$300k–$500k 12.3%

$500k–$1M 6.4%

Housing overview

Metric	Value
Median home value	$119,600
Median rent / month	$818
Owner occupied	84.0%
Renter occupied	16.0%
Vacant	14.0%
Single-family detached	25.1%
Large apartment buildings	0.7%
Mobile homes	71.8%
Median rooms	5.2
Avg household size (owned)	2.75

Year built

Era	%
2020 or later	0.0%
2010–2019	10.7%
2000–2009	29.2%
1990–1999	33.9%
1980–1989	17.2%
1970–1979	2.5%
1960–1969	4.3%
1950–1959	2.2%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.4%
2 bedrooms	36.3%
3 bedrooms	49.3%
4 bedrooms	9.1%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	5.7%
1 vehicle	30.7%
2 vehicles	36.6%
3 or more	27.0%

Heating fuel

Fuel type	%
Electricity	85.3%
Propane / LP gas	9.5%
Wood	3.0%
No fuel used	2.2%

Households & families

Household type	Count	%
Married-couple family	732	39.4%
Cohabiting couple	188	10.1%
Male householder, no spouse	378	20.4%
Female householder, no spouse	558	30.1%
Households with children under 18	616	33.2%
Households with seniors (65+)	412	22.2%
Average household size	2.61

Marital status

Status	Male	Female
Never married	30.1%	25.1%
Married	41.3%	42.1%
Separated	3.1%	11.4%
Widowed	3.0%	7.6%
Divorced	22.5%	13.7%

Education

Less than 9th grade 3.8%

Some HS, no diploma 17.8%

HS graduate 36.1%

Some college, no degree 20.6%

Associate's degree 10.6%

Bachelor's degree 8.9%

Graduate / professional 2.1%

Metric	%
HS diploma or higher	78.4%
Bachelor's or higher	11.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	50	4.0%
Kindergarten	37	3.0%
Elementary school	746	59.8%
High school	123	9.9%
College / grad school	291	23.3%

Employment

Industry of employment

Construction 20.9%

Arts, food & hospitality 17.3%

Manufacturing 16.2%

Education & healthcare 12.9%

Other services 9.3%

Professional & management 7.9%

Transportation & utilities 4.0%

Retail trade 3.4%

Public administration 3.3%

Agriculture & mining 2.9%

Finance & real estate 1.5%

Information 0.1%

Occupation

Category	%
Management, business & arts	25.9%
Service	22.2%
Sales & office	16.0%
Natural resources & construction	25.1%
Production & transportation	10.8%

Employment type

Type	%
Private sector	79.2%
Government	6.8%
Self-employed	13.3%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	86.2%
Carpool	9.0%
Public transit	0.0%
Walk	0.0%
Work from home	3.7%
Other means	1.1%
Avg commute (minutes)	45.8

Poverty

All people 36.5%

Under 18 years 61.8%

18 and over 28.9%

Married-couple families 11.1%

Female-led households 52.4%

Income support

Source	% of households
Social Security	44.2%
Retirement income	28.0%
Supplemental Security	11.7%
Cash public assistance	6.3%
Food stamps / SNAP	34.2%

Health indicators

Condition	%
Obesity	33.9%
High blood pressure	36.0%
High cholesterol	35.5%
Diabetes	12.4%
Heart disease	7.9%
Stroke	3.9%
Asthma	10.1%
Arthritis	27.8%
Kidney disease	3.3%
Pulmonary disease	11.5%
Cancer	6.4%

Behavior / access	%
Smoking	28.3%
Binge drinking	16.2%
No physical activity	32.4%
Less than 7 hrs sleep	35.9%
Depression	24.4%
Fair or poor health	21.4%
Poor mental health	18.8%
Poor physical health	15.4%
No health insurance	22.8%
Visited doctor (checkup)	73.3%
Visited dentist	48.2%
Cholesterol screening	88.0%
Teeth loss	20.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	412	11.3%

Disability	%
Any disability	31.7%
Under 18	9.4%
18–64 years	37.6%
65 and over	44.9%

Health insurance coverage

Type	%
Private insurance	39.0%
Public insurance	51.1%
No insurance	18.0%
Uninsured under 19	4.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,671	96.2%
Spanish	72	1.5%
Other Indo-European	72	1.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,733	97.4%
Born in same state	4,684	96.4%
Born in different state	2,510	51.7%
Foreign born	49	1.0%
Naturalized citizen	125	2.6%
Not a US citizen	60	48.0%

Ancestry

Ancestry	Count	%
French	612	12.6%
Arab	520	10.7%
Italian	490	10.1%

Ancestry	Count	%
English	30	0.6%
Polish	10	0.2%

Technology access

Metric	% of households
Computer access	38.2%
Internet access	93.4%

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

Frequently asked questions about ZIP code 32438

What city is ZIP code 32438 in?

ZIP code 32438 is primarily assigned to Fountain, Florida.

What county is ZIP code 32438 in?

ZIP code 32438 falls within Bay County, Florida.

What is the poverty rate in ZIP code 32438?

37% of residents in ZIP code 32438 live below the poverty line, above the national average.

How educated is the population of ZIP code 32438?

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 32438 mostly owner-occupied?

84% of occupied units in ZIP code 32438 are owner-occupied, well above the national average.

Does ZIP code 32438 have a large retiree population?

44% of households in ZIP code 32438 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 32438 in?

ZIP code 32438 observes the CST timezone.