32461 ZIP Code — Inlet Beach, FL

Walton County, Florida

ZIP code 32461 is located in Inlet Beach, Florida, within Walton County. It covers approximately 14.87 square miles and serves a population of 2,589 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32461

The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $844,300. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($154,750) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 17 minutes is near the national average. Remote work is prevalent — 44% of workers work from home.

Educational attainment is high — 56% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 32461 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

2,589

population

14.87

sq mi land

Standard

ZIP type

Central (CT)

timezone

32461 ZIP code map

Cities in ZIP code 32461

Below are the cities the US Postal Service accepts for ZIP code 32461. Using any city not on this list may result in mail delivery delays.

City	Status
Inlet Beach	Acceptable
Inlet Beach	Acceptable
Inlet Beach	Acceptable
Inlet Beach	Preferred

Nearby ZIP codes

32401 Panama City (0.5 mi) 32405 Panama City (3.2 mi) 32444 Lynn Haven (5.1 mi) 32408 Panama City (5.9 mi) 32407 Panama City Beach (8.8 mi) 32404 Panama City (9.7 mi) 32403 Panama City (11.1 mi) 32409 Panama City (12.8 mi) 32466 Youngstown (16.9 mi) 32413 Panama City Beach (19.5 mi)

Demographics updated 05/2026

Population
Total population	2,589
Population density	174 / sq mi
State FIPS	12
County FIPS	131

Geography
Land area	14.87 sq mi
Water area	2.15 sq mi
Latitude	30.1589
Longitude	-85.6603
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	0.0%	37.8%	43.4%
$50k – $100k	0.0%	33.0%	30.8%
$100k – $200k	0.0%	22.7%	19.3%
Over $200k	100.0%	6.5%	6.4%

Demographics & statistics

2,589

Population

174

People per sq mi

58.2

Median age

$154,750

Median household income

$89,503

Per capita income

$844,300

Median home value

$2,392

Median monthly rent

84.3%

Home ownership

2.6%

Poverty rate

0.2%

Unemployment

5,238

Housing units

56.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

25–34

139

35–44

159

162

45–54

186

138

55–59

158

124

60–64

143

295

65–74

338

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	378	14.6%
18 and over	2,211	85.4%
65 and over	865	33.4%
Median age	58.2 years

Race & ethnicity

White 87.6%

Two or more races 6.4%

Hispanic or Latino 3.7%

Asian 1.3%

American Indian / Alaska Native 1%

Group	Count	%
White	2,356	87.6%
Two or more races	171	6.4%
Hispanic or Latino	99	3.7%
Asian	36	1.3%
American Indian / Alaska Native	26	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	0.0%	37.8%	43.4%
$50k – $100k	0.0%	33.0%	30.8%
$100k – $200k	0.0%	22.7%	19.3%
Over $200k	100.0%	6.5%	6.4%

Under $10k 1.0%

$15k–$25k 2.4%

$25k–$35k 1.5%

$35k–$50k 2.6%

$50k–$75k 6.2%

$75k–$100k 8.6%

$100k–$150k 25.3%

$150k–$200k 17.6%

$200k+ 34.7%

Range	% of households
Under $10k	1.0%
$15k–$25k	2.4%
$25k–$35k	1.5%
$35k–$50k	2.6%
$50k–$75k	6.2%
$75k–$100k	8.6%
$100k–$150k	25.3%
$150k–$200k	17.6%
$200k+	34.7%
Median income	$154,750

Housing

Home values

Under $50k 1.2%

$50k–$100k 0.1%

$200k–$300k 4.0%

$300k–$500k 13.0%

$500k–$1M 42.6%

$1M+ 39.0%

Housing overview

Metric	Value
Median home value	$844,300
Median rent / month	$2,392
Owner occupied	84.3%
Renter occupied	15.7%
Vacant	78.7%
Single-family detached	68.4%
Large apartment buildings	10.0%
Mobile homes	0.6%
Median rooms	5.0
Avg household size (owned)	2.36

Year built

Era	%
2020 or later	3.0%
2010–2019	28.3%
2000–2009	47.7%
1990–1999	6.1%
1980–1989	11.2%
1970–1979	2.8%
1960–1969	0.1%
1950–1959	0.7%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	3.6%
1 bedroom	4.8%
2 bedrooms	21.6%
3 bedrooms	40.6%
4 bedrooms	21.5%
5+ bedrooms	7.9%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	31.3%
2 vehicles	48.4%
3 or more	14.3%

Heating fuel

Fuel type	%
Utility gas	21.5%
Electricity	78.5%

Households & families

Household type	Count	%
Married-couple family	938	81.4%
Cohabiting couple	7	0.6%
Male householder, no spouse	74	6.4%
Female householder, no spouse	133	11.5%
Households with children under 18	313	27.2%
Households with seniors (65+)	556	48.3%
Average household size	2.25

Marital status

Status	Male	Female
Never married	4.9%	5.4%
Married	90.4%	82.8%
Separated	0.0%	1.6%
Widowed	0.0%	5.4%
Divorced	4.7%	4.8%

Education

Less than 9th grade 0.5%

Some HS, no diploma 2.4%

HS graduate 13.2%

Some college, no degree 22.0%

Associate's degree 5.7%

Bachelor's degree 39.3%

Graduate / professional 16.8%

Metric	%
HS diploma or higher	97.1%
Bachelor's or higher	56.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	70	26.5%
Kindergarten	30	11.4%
Elementary school	99	37.5%
High school	61	23.1%
College / grad school	4	1.5%

Employment

Industry of employment

Professional & management 26.4%

Wholesale trade 12.8%

Finance & real estate 11.2%

Other services 8.7%

Public administration 8.6%

Manufacturing 8.0%

Education & healthcare 7.2%

Retail trade 5.9%

Construction 5.1%

Arts, food & hospitality 4.1%

Information 2.0%

Occupation

Category	%
Management, business & arts	49.7%
Service	10.1%
Sales & office	28.0%
Natural resources & construction	8.9%
Production & transportation	3.3%

Employment type

Type	%
Private sector	78.2%
Government	11.8%
Self-employed	10.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	42.1%
Carpool	9.3%
Public transit	2.1%
Walk	0.0%
Work from home	44.3%
Other means	2.3%
Avg commute (minutes)	17.3

Poverty

All people 2.6%

Under 18 years 1.1%

18 and over 2.8%

Married-couple families 1.6%

Female-led households 0.0%

Income support

Source	% of households
Social Security	45.2%
Retirement income	37.2%
Supplemental Security	4.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	0.0%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	0.0%
Heart disease	0.0%
Stroke	0.0%
Asthma	0.0%
Arthritis	0.0%
Kidney disease	0.0%
Pulmonary disease	0.0%
Cancer	0.0%

Behavior / access	%
Smoking	0.0%
Binge drinking	0.0%
No physical activity	0.0%
Less than 7 hrs sleep	0.0%
Depression	0.0%
Fair or poor health	0.0%
Poor mental health	0.0%
Poor physical health	0.0%
No health insurance	0.0%
Visited doctor (checkup)	0.0%
Visited dentist	0.0%
Cholesterol screening	0.0%
Teeth loss	0.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	230	10.4%

Disability	%
Any disability	8.3%
Under 18	0.0%
18–64 years	5.6%
65 and over	16.0%

Health insurance coverage

Type	%
Private insurance	84.0%
Public insurance	38.7%
No insurance	4.9%
Uninsured under 19	7.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,439	94.2%
Spanish	37	1.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	37	1.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,393	92.4%
Born in same state	2,368	91.5%
Born in different state	327	12.6%
Foreign born	25	1.0%
Naturalized citizen	196	7.6%
Not a US citizen	146	74.5%

Ancestry

Ancestry	Count	%
French	523	20.2%
Italian	359	13.9%
Arab	135	5.2%

Ancestry	Count	%
Polish	108	4.2%
English	13	0.5%
Irish	7	0.3%

Technology access

Metric	% of households
Computer access	44.5%
Internet access	99.4%

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

Frequently asked questions about ZIP code 32461

What city is ZIP code 32461 in?

ZIP code 32461 is primarily assigned to Inlet Beach, Florida.

What county is ZIP code 32461 in?

ZIP code 32461 falls within Walton County, Florida.

Does ZIP code 32461 have an older population?

33% of residents in ZIP code 32461 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 32461?

56% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 32461 have a large retiree population?

45% of households in ZIP code 32461 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 32461 mostly owner-occupied?

84% of occupied units in ZIP code 32461 are owner-occupied, well above the national average.

What timezone is ZIP code 32461 in?

ZIP code 32461 observes the CST timezone.