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ZIP Code 32404

Bay, Florida

FIPS 32404

Juniper

ZIP Code 32404 is in the top 36% nationally for appreciation 1yr %, but in the bottom 18% nationally for FEMA risk score. It also sits in the 80th percentile nationally for median rent. And it sits in the bottom 31% nationally for price-to-income ratio.

Median Home Value

$273,500

Higher than 65% of U.S. ZIP codes

HPI Growth 5yr %

41%

Higher than 63% of U.S. ZIP codes

FEMA Risk Score

87.9

Higher than 82% of U.S. ZIP codes

The basics

Total Population

42,514

Median Age

37.1

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$273,500

Higher than 65%

Median Property Tax

$1,446

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.66

Higher than 69%

Median Rent

$1,399

Higher than 80%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

41%

Higher than 63%

Appreciation 1yr %

-0.74%

Higher than 64%

Pandemic Gain %

40%

Recession Drop %

-36%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

90.4

Winter Avg Low (°F)

44.6

Avg Temperature (°F)

69.4

Hot Days/yr (>90°F)

67.3

Freezing Days/yr (<32°F)

16.5

Annual Precipitation (in)

69

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

87.9

Higher than 82%

EAL Flood/Coastal per $1K

0.06

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 32404: frequently asked questions

What is the median home value in ZIP Code 32404?
The median home value in ZIP Code 32404 is $273,500, higher than 65% of U.S. ZIP codes.
How much is property tax in ZIP Code 32404?
The median annual property tax in ZIP Code 32404 is $1,446, an effective rate of 1% of home value.
Is ZIP Code 32404 expensive to live in?
Homes in ZIP Code 32404 cost about 3.66× the median household income, higher than 69% of U.S. ZIP codes.
What is the average rent in ZIP Code 32404?
The median gross rent in ZIP Code 32404 is $1,399 a month, higher than 80% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 32404?
Home prices in ZIP Code 32404 have moved 41% over the past five years (-0.74% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 32404?
ZIP Code 32404 averages 69.4°F year-round, summer highs near 90.4°F, winter lows around 44.6°F (NOAA 1991–2020 normals).
Is ZIP Code 32404 at risk of flooding or natural disasters?
ZIP Code 32404's FEMA National Risk Index score is 87.9 (higher than 82% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Expected annual loss from flooding is 0.06 per $1,000 of building value.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →