32137 ZIP Code — Palm Coast, FL

Flagler County, Florida

ZIP code 32137 is located in Palm Coast, Florida, within Flagler County. It covers approximately 62.41 square miles and serves a population of 46,970 residents. This is a po box ZIP code in the Eastern (ET) timezone, served by area code 386.

About ZIP code 32137

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $324,700. Owner-occupancy is high at 86%, well above the national average.

The gap between median ($73,689) and mean household income suggests income inequality — a small number of higher earners pull the average up. 53% 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 31 minutes is near the national average.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

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

Overall, ZIP code 32137 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

46,970

population

62.41

sq mi land

PO Box

ZIP type

Eastern (ET)

timezone

32137 ZIP code map

Cities in ZIP code 32137

Below are the cities the US Postal Service accepts for ZIP code 32137. Using any city not on this list may result in mail delivery delays.

City	Status
Palm Coast	Acceptable

Demographics updated 05/2026

Population
Total population	46,970
Population density	753 / sq mi
State FIPS	12
County FIPS	035

Geography
Land area	62.41 sq mi
Water area	5.74 sq mi
Latitude	29.5725
Longitude	-81.3150
Timezone	Eastern (ET)
Area code	386

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.4%	43.3%	43.4%
$50k – $100k	32.4%	32.3%	30.8%
$100k – $200k	22.8%	19.7%	19.3%
Over $200k	6.5%	4.7%	6.4%

Demographics & statistics

46,970

Population

753

People per sq mi

55.0

Median age

$73,689

Median household income

$43,246

Per capita income

$324,700

Median home value

$1,679

Median monthly rent

85.6%

Home ownership

9.9%

Poverty rate

4.0%

Unemployment

21,284

Housing units

35.3%

Bachelor's or higher

Age distribution

Male Female

822

Under 5

883

786

5–9

845

1,159

10–14

1,247

1,103

15–19

1,187

917

20–24

985

1,461

25–34

1,572

2,438

35–44

2,621

2,643

45–54

2,841

1,645

55–59

1,768

2,150

60–64

2,312

4,197

65–74

4,513

2,547

75–84

2,739

766

85+

823

← Male

Female →

Age summary

Group	Count	%
Under 18	7,231	15.4%
18 and over	39,739	84.6%
65 and over	15,585	33.2%
Median age	55.0 years

Race & ethnicity

White 75.6%

Two or more races 6.6%

Hispanic or Latino 6.1%

Black or African American 5.9%

Asian 3%

Other race 2.8%

Group	Count	%
White	37,848	75.6%
Two or more races	3,300	6.6%
Hispanic or Latino	3,077	6.1%
Black or African American	2,933	5.9%
Asian	1,484	3%
Other race	1,388	2.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.4%	43.3%	43.4%
$50k – $100k	32.4%	32.3%	30.8%
$100k – $200k	22.8%	19.7%	19.3%
Over $200k	6.5%	4.7%	6.4%

Under $10k 3.7%

$10k–$15k 2.1%

$15k–$25k 6.6%

$25k–$35k 7.2%

$35k–$50k 13.0%

$50k–$75k 18.0%

$75k–$100k 13.3%

$100k–$150k 17.4%

$150k–$200k 7.9%

$200k+ 10.7%

Range	% of households
Under $10k	3.7%
$10k–$15k	2.1%
$15k–$25k	6.6%
$25k–$35k	7.2%
$35k–$50k	13.0%
$50k–$75k	18.0%
$75k–$100k	13.3%
$100k–$150k	17.4%
$150k–$200k	7.9%
$200k+	10.7%
Median income	$73,689

Housing

Home values

Under $50k 2.6%

$50k–$100k 1.1%

$100k–$150k 3.5%

$150k–$200k 8.0%

$200k–$300k 29.1%

$300k–$500k 35.3%

$500k–$1M 16.2%

$1M+ 4.2%

Housing overview

Metric	Value
Median home value	$324,700
Median rent / month	$1,679
Owner occupied	85.6%
Renter occupied	14.4%
Vacant	19.0%
Single-family detached	79.7%
Large apartment buildings	9.2%
Mobile homes	0.8%
Median rooms	5.8
Avg household size (owned)	2.34

Year built

Era	%
2020 or later	1.0%
2010–2019	9.8%
2000–2009	39.9%
1990–1999	19.5%
1980–1989	18.3%
1970–1979	9.9%
1960–1969	0.8%
1950–1959	0.6%
1940–1949	0.1%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	1.0%
2 bedrooms	17.2%
3 bedrooms	61.2%
4 bedrooms	17.5%
5+ bedrooms	2.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	32.9%
2 vehicles	47.2%
3 or more	17.1%

Heating fuel

Fuel type	%
Utility gas	1.0%
Electricity	96.4%
Propane / LP gas	0.9%
Solar	0.4%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	11,655	59.8%
Cohabiting couple	907	4.7%
Male householder, no spouse	2,914	14.9%
Female householder, no spouse	4,028	20.7%
Households with children under 18	3,783	19.4%
Households with seniors (65+)	10,194	52.3%
Average household size	2.40

Marital status

Status	Male	Female
Never married	22.2%	20.8%
Married	62.2%	56.6%
Separated	0.9%	0.9%
Widowed	4.4%	11.7%
Divorced	10.3%	10.0%

Education

Less than 9th grade 2.3%

Some HS, no diploma 3.8%

HS graduate 28.0%

Some college, no degree 20.8%

Associate's degree 9.7%

Bachelor's degree 22.9%

Graduate / professional 12.4%

Metric	%
HS diploma or higher	93.8%
Bachelor's or higher	35.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	443	5.4%
Kindergarten	375	4.5%
Elementary school	3,311	40.1%
High school	1,881	22.8%
College / grad school	2,251	27.2%

Employment

Industry of employment

Education & healthcare 22.0%

Professional & management 13.9%

Retail trade 11.3%

Arts, food & hospitality 10.6%

Finance & real estate 8.6%

Construction 6.9%

Other services 6.4%

Manufacturing 6.1%

Transportation & utilities 5.7%

Public administration 3.7%

Wholesale trade 2.3%

Information 2.0%

Agriculture & mining 0.5%

Occupation

Category	%
Management, business & arts	38.5%
Service	17.0%
Sales & office	24.9%
Natural resources & construction	9.2%
Production & transportation	10.4%

Employment type

Type	%
Private sector	81.4%
Government	11.1%
Self-employed	7.4%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	73.2%
Carpool	9.9%
Public transit	0.3%
Walk	0.5%
Work from home	14.5%
Other means	1.6%
Avg commute (minutes)	31.3

Poverty

All people 9.9%

Under 18 years 17.5%

18 and over 8.6%

Married-couple families 3.9%

Female-led households 27.6%

Income support

Source	% of households
Social Security	52.8%
Retirement income	43.7%
Supplemental Security	4.8%
Cash public assistance	0.9%
Food stamps / SNAP	4.3%

Health indicators

Condition	%
Obesity	31.7%
High blood pressure	40.8%
High cholesterol	38.1%
Diabetes	13.5%
Heart disease	9.2%
Stroke	4.3%
Asthma	8.6%
Arthritis	31.4%
Kidney disease	3.9%
Pulmonary disease	9.9%
Cancer	9.4%

Behavior / access	%
Smoking	17.7%
Binge drinking	12.8%
No physical activity	25.3%
Less than 7 hrs sleep	33.5%
Depression	19.6%
Fair or poor health	17.7%
Poor mental health	13.8%
Poor physical health	12.9%
No health insurance	18.6%
Visited doctor (checkup)	80.3%
Visited dentist	57.5%
Cholesterol screening	93.2%
Teeth loss	13.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	4,707	11.9%

Disability	%
Any disability	14.6%
Under 18	1.8%
18–64 years	12.0%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	65.9%
Public insurance	43.7%
No insurance	11.3%
Uninsured under 19	15.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	45,265	96.4%
Spanish	3,500	7.7%
Other Indo-European	1,204	2.7%
Asian & Pacific Islander	1,799	4.0%
Other languages	425	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	40,657	86.6%
Born in same state	39,167	83.4%
Born in different state	9,939	21.2%
Foreign born	1,490	3.2%
Naturalized citizen	6,313	13.4%
Not a US citizen	4,762	75.4%

Ancestry

Ancestry	Count	%
Italian	6,143	13.1%
Arab	5,045	10.7%
French	4,562	9.7%
English	393	0.8%
German	316	0.7%

Ancestry	Count	%
Polish	303	0.6%
Irish	300	0.6%
Norwegian	297	0.6%
Dutch	95	0.2%

Technology access

Metric	% of households
Computer access	41.5%
Internet access	96.7%

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

Frequently asked questions about ZIP code 32137

What city is ZIP code 32137 in?

ZIP code 32137 is primarily assigned to Palm Coast, Florida.

What county is ZIP code 32137 in?

ZIP code 32137 falls within Flagler County, Florida.

Does ZIP code 32137 have an older population?

33% of residents in ZIP code 32137 are 65 or older, above the national average of ~17%.

Does ZIP code 32137 have a large retiree population?

53% of households in ZIP code 32137 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 32137 mostly owner-occupied?

86% of occupied units in ZIP code 32137 are owner-occupied, well above the national average.

Does ZIP code 32137 have a large veteran population?

12% of civilians in ZIP code 32137 are veterans, above the national average of ~7%.

What timezone is ZIP code 32137 in?

ZIP code 32137 observes the EST timezone.