32565 ZIP Code — Jay, FL

Santa Rosa County, Florida

ZIP code 32565 is located in Jay, Florida, within Santa Rosa County. It covers approximately 230.37 square miles and serves a population of 5,515 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32565

The housing stock consists of predominantly single-family detached homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $182,000. Owner-occupancy is high at 79%, well above the national average.

Median household income is $77,553. 38% 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 32 minutes is near the national average.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 32565 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

5,515

population

230.37

sq mi land

Standard

ZIP type

Central (CT)

timezone

32565 ZIP code map

Cities in ZIP code 32565

Below are the cities the US Postal Service accepts for ZIP code 32565. Using any city not on this list may result in mail delivery delays.

City	Status
Jay	Preferred

Nearby ZIP codes

32570 Milton (9.1 mi) 32535 Century (14.2 mi) 36441 Flomaton (15.4 mi) 32571 Milton (15.6 mi) 36426 Brewton (18.7 mi) 32577 Molino (19.6 mi)

Demographics updated 05/2026

Population
Total population	5,515
Population density	24 / sq mi
State FIPS	12
County FIPS	113

Geography
Land area	230.37 sq mi
Water area	2.38 sq mi
Latitude	30.8767
Longitude	-87.1107
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	43.2%	34.9%	43.4%
$50k – $100k	36.8%	33.2%	30.8%
$100k – $200k	17.3%	25.8%	19.3%
Over $200k	2.7%	6.1%	6.4%

Demographics & statistics

5,515

Population

People per sq mi

40.6

Median age

$77,553

Median household income

$33,070

Per capita income

$182,000

Median home value

$1,032

Median monthly rent

79.0%

Home ownership

13.2%

Poverty rate

2.1%

Unemployment

2,055

Housing units

19.6%

Bachelor's or higher

Age distribution

Male Female

114

Under 5

116

173

5–9

177

252

10–14

256

222

15–19

226

124

20–24

127

292

25–34

297

373

35–44

380

437

45–54

446

153

55–59

156

153

60–64

156

250

65–74

254

166

75–84

169

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,437	26.1%
18 and over	4,078	73.9%
65 and over	885	16.0%
Median age	40.6 years

Race & ethnicity

White 94.9%

Two or more races 3.2%

Asian 1.2%

Hispanic or Latino 0.5%

American Indian / Alaska Native 0.2%

Black or African American 0.1%

Group	Count	%
White	5,257	94.9%
Two or more races	175	3.2%
Asian	66	1.2%
Hispanic or Latino	26	0.5%
American Indian / Alaska Native	13	0.2%
Black or African American	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.2%	34.9%	43.4%
$50k – $100k	36.8%	33.2%	30.8%
$100k – $200k	17.3%	25.8%	19.3%
Over $200k	2.7%	6.1%	6.4%

Under $10k 4.7%

$10k–$15k 4.0%

$15k–$25k 7.3%

$25k–$35k 3.7%

$35k–$50k 15.7%

$50k–$75k 14.3%

$75k–$100k 15.8%

$100k–$150k 22.9%

$150k–$200k 6.6%

$200k+ 5.0%

Range	% of households
Under $10k	4.7%
$10k–$15k	4.0%
$15k–$25k	7.3%
$25k–$35k	3.7%
$35k–$50k	15.7%
$50k–$75k	14.3%
$75k–$100k	15.8%
$100k–$150k	22.9%
$150k–$200k	6.6%
$200k+	5.0%
Median income	$77,553

Housing

Home values

Under $50k 11.9%

$50k–$100k 17.1%

$100k–$150k 11.6%

$150k–$200k 17.9%

$200k–$300k 27.6%

$300k–$500k 7.2%

$500k–$1M 6.0%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$182,000
Median rent / month	$1,032
Owner occupied	79.0%
Renter occupied	21.0%
Vacant	16.5%
Single-family detached	80.0%
Large apartment buildings	0.8%
Mobile homes	15.9%
Median rooms	5.7
Avg household size (owned)	2.69

Year built

Era	%
2020 or later	0.0%
2010–2019	19.9%
2000–2009	13.1%
1990–1999	12.8%
1980–1989	9.9%
1970–1979	14.7%
1960–1969	11.8%
1950–1959	10.4%
1940–1949	3.1%
1939 or earlier	4.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.2%
1 bedroom	2.8%
2 bedrooms	23.1%
3 bedrooms	50.1%
4 bedrooms	22.1%
5+ bedrooms	0.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	20.9%
2 vehicles	44.3%
3 or more	32.0%

Heating fuel

Fuel type	%
Utility gas	5.5%
Electricity	85.7%
Propane / LP gas	7.5%
No fuel used	1.3%

Households & families

Household type	Count	%
Married-couple family	1,216	58.4%
Cohabiting couple	77	3.7%
Male householder, no spouse	387	18.6%
Female householder, no spouse	402	19.3%
Households with children under 18	642	30.8%
Households with seniors (65+)	670	32.2%
Average household size	2.65

Marital status

Status	Male	Female
Never married	21.8%	19.5%
Married	59.9%	56.8%
Separated	0.5%	3.8%
Widowed	2.5%	10.4%
Divorced	15.4%	9.5%

Education

Less than 9th grade 0.9%

Some HS, no diploma 10.0%

HS graduate 37.6%

Some college, no degree 22.0%

Associate's degree 10.0%

Bachelor's degree 16.0%

Graduate / professional 3.6%

Metric	%
HS diploma or higher	89.1%
Bachelor's or higher	19.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	0.4%
Kindergarten	100	6.6%
Elementary school	727	47.9%
High school	387	25.5%
College / grad school	298	19.6%

Employment

Industry of employment

Education & healthcare 22.7%

Retail trade 13.8%

Professional & management 10.0%

Agriculture & mining 9.7%

Public administration 9.0%

Construction 8.7%

Transportation & utilities 7.3%

Other services 4.8%

Finance & real estate 4.6%

Arts, food & hospitality 4.0%

Manufacturing 3.5%

Information 1.9%

Wholesale trade 0.1%

Occupation

Category	%
Management, business & arts	41.6%
Service	14.0%
Sales & office	19.3%
Natural resources & construction	15.7%
Production & transportation	9.4%

Employment type

Type	%
Private sector	75.3%
Government	18.4%
Self-employed	5.1%
Unpaid family workers	1.1%

Commute

Method	%
Drive alone	80.5%
Carpool	7.5%
Public transit	0.0%
Walk	0.9%
Work from home	9.7%
Other means	1.4%
Avg commute (minutes)	32.2

Poverty

All people 13.2%

Under 18 years 16.3%

18 and over 12.2%

Married-couple families 9.0%

Female-led households 25.9%

Income support

Source	% of households
Social Security	37.6%
Retirement income	21.1%
Supplemental Security	5.4%
Cash public assistance	1.5%
Food stamps / SNAP	10.5%

Health indicators

Condition	%
Obesity	30.8%
High blood pressure	35.3%
High cholesterol	34.2%
Diabetes	10.2%
Heart disease	6.8%
Stroke	3.2%
Asthma	8.7%
Arthritis	26.5%
Kidney disease	2.9%
Pulmonary disease	8.7%
Cancer	7.0%

Behavior / access	%
Smoking	22.6%
Binge drinking	16.3%
No physical activity	27.2%
Less than 7 hrs sleep	34.6%
Depression	20.6%
Fair or poor health	15.3%
Poor mental health	16.9%
Poor physical health	11.8%
No health insurance	18.4%
Visited doctor (checkup)	72.9%
Visited dentist	58.1%
Cholesterol screening	90.0%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	491	12.4%

Disability	%
Any disability	14.9%
Under 18	4.3%
18–64 years	10.4%
65 and over	47.8%

Health insurance coverage

Type	%
Private insurance	66.5%
Public insurance	36.1%
No insurance	10.9%
Uninsured under 19	6.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,285	95.8%
Spanish	16	0.3%
Other Indo-European	0	0.0%
Asian & Pacific Islander	2	0.0%
Other languages	14	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,440	98.6%
Born in same state	5,436	98.6%
Born in different state	3,486	63.2%
Foreign born	4	0.1%
Naturalized citizen	75	1.4%
Not a US citizen	52	69.3%

Ancestry

Ancestry	Count	%
Arab	806	14.6%
Italian	645	11.7%
French	594	10.8%
English	31	0.6%

Ancestry	Count	%
Polish	19	0.3%
Dutch	11	0.2%
Irish	9	0.2%

Technology access

Metric	% of households
Computer access	37.8%
Internet access	94.5%

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

Frequently asked questions about ZIP code 32565

What city is ZIP code 32565 in?

ZIP code 32565 is primarily assigned to Jay, Florida.

What county is ZIP code 32565 in?

ZIP code 32565 falls within Santa Rosa County, Florida.

Does ZIP code 32565 have a large retiree population?

38% of households in ZIP code 32565 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 32565 have a large veteran population?

12% of civilians in ZIP code 32565 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 32565?

The median home value in ZIP code 32565 is $182,000.

What is the population of ZIP code 32565?

ZIP code 32565 has an estimated population of 5,515 residents, with a density of 24 people per square mile.

What timezone is ZIP code 32565 in?

ZIP code 32565 observes the CST timezone.