The basics
Total Population
10,007
Median Age
50.9
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$182,500
Median Property Tax
$1,362
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
2.78
Median Rent
$850
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
66%
Appreciation 1yr %
0.54%
Pandemic Gain %
52%
Recession Drop %
-36%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
91
Winter Avg Low (°F)
41.2
Avg Temperature (°F)
68.3
Hot Days/yr (>90°F)
100
Freezing Days/yr (<32°F)
26.5
Annual Precipitation (in)
51.7
Annual Snowfall (in)
0
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
74.1
EAL Flood/Coastal per $1K
0
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 32038: frequently asked questions
- What is the median home value in ZIP Code 32038?
- The median home value in ZIP Code 32038 is $182,500, lower than 56% of U.S. ZIP codes.
- How much is property tax in ZIP Code 32038?
- The median annual property tax in ZIP Code 32038 is $1,362, an effective rate of 1% of home value.
- Is ZIP Code 32038 expensive to live in?
- Homes in ZIP Code 32038 cost about 2.78× the median household income, near the U.S. ZIP codes median.
- What is the average rent in ZIP Code 32038?
- The median gross rent in ZIP Code 32038 is $850 a month, near the U.S. ZIP codes median.
- How much have home prices grown in ZIP Code 32038?
- Home prices in ZIP Code 32038 have moved 66% over the past five years (0.54% in the past year), per the FHFA House Price Index.
- What is the weather like in ZIP Code 32038?
- ZIP Code 32038 averages 68.3°F year-round, summer highs near 91°F, winter lows around 41.2°F (NOAA 1991–2020 normals).
- Is ZIP Code 32038 at risk of flooding or natural disasters?
- ZIP Code 32038's FEMA National Risk Index score is 74.1 (higher than 62% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Modeled coastal-flood loss is negligible.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →