32963 ZIP Code — Vero Beach, FL

Indian River County, Florida

ZIP code 32963 is located in Vero Beach, Florida, within Indian River County. It covers approximately 17.42 square miles and serves a population of 15,117 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 772.

About ZIP code 32963

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $818,500. Owner-occupancy is high at 95%, well above the national average.

The gap between median ($143,438) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 70% 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 23 minutes is near the national average. Remote work is prevalent — 25% of workers work from home.

Educational attainment is high — 69% of residents hold a bachelor's degree or higher, well above the national average of 33%.

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

Overall, ZIP code 32963 reflects a community defined by a highly educated population, a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

15,117

population

17.42

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32963 ZIP code map

Cities in ZIP code 32963

Below are the cities the US Postal Service accepts for ZIP code 32963. Using any city not on this list may result in mail delivery delays.

City	Status
Vero Beach	Acceptable
Vero Beach	Preferred

Nearby ZIP codes

32967 Vero Beach (4.5 mi) 32960 Vero Beach (5.2 mi) 32958 Sebastian (8.3 mi) 32962 Vero Beach (9 mi) 32968 Vero Beach (11.5 mi) 32948 Fellsmere (12.2 mi) 34951 Fort Pierce (13.4 mi) 34946 Fort Pierce (14.3 mi) 32976 Sebastian (14.4 mi) 32966 Vero Beach (16.5 mi) 32949 Grant (16.5 mi) 34949 Fort Pierce (18.3 mi)

Demographics updated 05/2026

Population
Total population	15,117
Population density	868 / sq mi
State FIPS	12
County FIPS	061

Geography
Land area	17.42 sq mi
Water area	24.38 sq mi
Latitude	27.7168
Longitude	-80.3931
Timezone	Eastern (ET)
Area code	772

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.9%	44.3%	43.4%
$50k – $100k	21.0%	30.0%	30.8%
$100k – $200k	27.0%	18.6%	19.3%
Over $200k	31.1%	7.1%	6.4%

Demographics & statistics

15,117

Population

868

People per sq mi

68.9

Median age

$143,438

Median household income

$127,105

Per capita income

$818,500

Median home value

$1,765

Median monthly rent

95.0%

Home ownership

5.2%

Poverty rate

1.6%

Unemployment

11,996

Housing units

68.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

107

5–9

121

192

10–14

216

15–19

108

20–24

103

254

25–34

286

230

35–44

260

626

45–54

705

499

55–59

562

782

60–64

880

1,994

65–74

2,246

1,467

75–84

1,652

741

85+

834

← Male

Female →

Age summary

Group	Count	%
Under 18	817	5.4%
18 and over	14,300	94.6%
65 and over	8,934	59.1%
Median age	68.9 years

Race & ethnicity

White 91.4%

Two or more races 3.2%

Hispanic or Latino 2.4%

Asian 1.9%

Black or African American 0.8%

Other race 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	14,160	91.4%
Two or more races	500	3.2%
Hispanic or Latino	375	2.4%
Asian	301	1.9%
Black or African American	120	0.8%
Other race	28	0.2%
Native Hawaiian / Pacific Islander	8	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.9%	44.3%	43.4%
$50k – $100k	21.0%	30.0%	30.8%
$100k – $200k	27.0%	18.6%	19.3%
Over $200k	31.1%	7.1%	6.4%

Under $10k 2.9%

$10k–$15k 1.5%

$15k–$25k 4.8%

$25k–$35k 2.5%

$35k–$50k 5.5%

$50k–$75k 9.8%

$75k–$100k 10.9%

$100k–$150k 13.5%

$150k–$200k 11.0%

$200k+ 37.6%

Range	% of households
Under $10k	2.9%
$10k–$15k	1.5%
$15k–$25k	4.8%
$25k–$35k	2.5%
$35k–$50k	5.5%
$50k–$75k	9.8%
$75k–$100k	10.9%
$100k–$150k	13.5%
$150k–$200k	11.0%
$200k+	37.6%
Median income	$143,438

Housing

Home values

Under $50k 1.9%

$50k–$100k 0.2%

$100k–$150k 0.7%

$150k–$200k 1.1%

$200k–$300k 5.7%

$300k–$500k 13.4%

$500k–$1M 40.0%

$1M+ 37.0%

Housing overview

Metric	Value
Median home value	$818,500
Median rent / month	$1,765
Owner occupied	95.0%
Renter occupied	5.0%
Vacant	38.0%
Single-family detached	58.4%
Large apartment buildings	17.7%
Mobile homes	0.6%
Median rooms	6.2
Avg household size (owned)	1.98

Year built

Era	%
2020 or later	0.8%
2010–2019	2.3%
2000–2009	17.9%
1990–1999	15.5%
1980–1989	26.5%
1970–1979	25.4%
1960–1969	6.2%
1950–1959	4.8%
1940–1949	0.0%
1939 or earlier	0.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	3.9%
2 bedrooms	28.3%
3 bedrooms	44.1%
4 bedrooms	17.9%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	36.9%
2 vehicles	43.8%
3 or more	15.1%

Heating fuel

Fuel type	%
Utility gas	2.9%
Electricity	94.0%
Propane / LP gas	2.6%
Solar	0.2%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	4,799	62.6%
Cohabiting couple	375	4.9%
Male householder, no spouse	809	10.5%
Female householder, no spouse	1,689	22.0%
Households with children under 18	364	4.7%
Households with seniors (65+)	5,819	75.8%
Average household size	1.97

Marital status

Status	Male	Female
Never married	12.7%	9.3%
Married	75.2%	64.0%
Separated	0.5%	0.9%
Widowed	4.3%	15.5%
Divorced	7.3%	10.4%

Education

Less than 9th grade 0.4%

Some HS, no diploma 0.6%

HS graduate 11.9%

Some college, no degree 11.5%

Associate's degree 7.1%

Bachelor's degree 35.3%

Graduate / professional 33.3%

Metric	%
HS diploma or higher	99.1%
Bachelor's or higher	68.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	94	6.0%
Kindergarten	23	1.5%
Elementary school	519	33.4%
High school	256	16.5%
College / grad school	663	42.6%

Employment

Industry of employment

Education & healthcare 21.1%

Professional & management 20.2%

Finance & real estate 19.1%

Retail trade 11.8%

Manufacturing 6.7%

Arts, food & hospitality 4.6%

Construction 4.3%

Other services 3.5%

Public administration 2.4%

Wholesale trade 2.2%

Transportation & utilities 2.0%

Information 1.5%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	59.8%
Service	6.1%
Sales & office	28.1%
Natural resources & construction	3.8%
Production & transportation	2.3%

Employment type

Type	%
Private sector	83.8%
Government	5.8%
Self-employed	10.3%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	67.9%
Carpool	1.6%
Public transit	1.2%
Walk	1.4%
Work from home	25.1%
Other means	2.8%
Avg commute (minutes)	23.2

Poverty

All people 5.2%

Under 18 years 0.0%

18 and over 5.4%

Married-couple families 2.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	70.2%
Retirement income	50.3%
Supplemental Security	1.8%
Cash public assistance	0.1%
Food stamps / SNAP	0.2%

Health indicators

Condition	%
Obesity	24.6%
High blood pressure	41.1%
High cholesterol	43.4%
Diabetes	11.6%
Heart disease	10.2%
Stroke	3.9%
Asthma	7.2%
Arthritis	33.6%
Kidney disease	4.0%
Pulmonary disease	7.7%
Cancer	13.8%

Behavior / access	%
Smoking	8.8%
Binge drinking	9.1%
No physical activity	18.9%
Less than 7 hrs sleep	24.9%
Depression	14.1%
Fair or poor health	11.7%
Poor mental health	9.0%
Poor physical health	9.6%
No health insurance	10.1%
Visited doctor (checkup)	83.3%
Visited dentist	75.8%
Cholesterol screening	97.3%
Teeth loss	6.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,749	12.2%

Disability	%
Any disability	15.7%
Under 18	0.9%
18–64 years	6.3%
65 and over	22.7%

Health insurance coverage

Type	%
Private insurance	72.2%
Public insurance	59.4%
No insurance	2.8%
Uninsured under 19	4.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,053	99.6%
Spanish	259	1.7%
Other Indo-European	68	0.5%
Asian & Pacific Islander	71	0.5%
Other languages	120	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	13,731	90.8%
Born in same state	13,578	89.8%
Born in different state	2,049	13.6%
Foreign born	153	1.0%
Naturalized citizen	1,386	9.2%
Not a US citizen	844	60.9%

Ancestry

Ancestry	Count	%
French	4,098	27.1%
Italian	2,890	19.1%
Arab	1,050	6.9%
English	139	0.9%
Irish	121	0.8%

Ancestry	Count	%
Polish	113	0.7%
Dutch	49	0.3%
German	23	0.2%
Norwegian	12	0.1%

Technology access

Metric	% of households
Computer access	50.8%
Internet access	93.2%

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

Frequently asked questions about ZIP code 32963

What city is ZIP code 32963 in?

ZIP code 32963 is primarily assigned to Vero Beach, Florida.

What county is ZIP code 32963 in?

ZIP code 32963 falls within Indian River County, Florida.

Does ZIP code 32963 have an older population?

59% of residents in ZIP code 32963 are 65 or older, above the national average of ~17%.

Does ZIP code 32963 have a large retiree population?

70% of households in ZIP code 32963 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 32963?

69% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 32963 mostly owner-occupied?

95% of occupied units in ZIP code 32963 are owner-occupied, well above the national average.

What timezone is ZIP code 32963 in?

ZIP code 32963 observes the EST timezone.