Back to Explorer

ZIP Code 32405

Bay, Florida

FIPS 32405

Juniper

ZIP Code 32405 is in the top 29% nationally for appreciation 1yr %, but in the bottom 13% nationally for FEMA risk score. It also sits in the 82th percentile nationally for median rent. And it sits in the bottom 29% nationally for price-to-income ratio.

Median Home Value

$279,900

Higher than 67% of U.S. ZIP codes

HPI Growth 5yr %

40%

Higher than 62% of U.S. ZIP codes

FEMA Risk Score

91.3

Higher than 87% of U.S. ZIP codes

The basics

Total Population

29,984

Median Age

36.2

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$279,900

Higher than 67%

Median Property Tax

$1,644

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.81

Higher than 71%

Median Rent

$1,467

Higher than 82%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

40%

Higher than 62%

Appreciation 1yr %

1.5%

Higher than 71%

Pandemic Gain %

44%

Recession Drop %

-35%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

89.9

Winter Avg Low (°F)

46.7

Avg Temperature (°F)

69.7

Hot Days/yr (>90°F)

69.1

Freezing Days/yr (<32°F)

9

Annual Precipitation (in)

61.3

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

91.3

Higher than 87%

EAL Flood/Coastal per $1K

0.04

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 32405: frequently asked questions

What is the median home value in ZIP Code 32405?
The median home value in ZIP Code 32405 is $279,900, higher than 67% of U.S. ZIP codes.
How much is property tax in ZIP Code 32405?
The median annual property tax in ZIP Code 32405 is $1,644, an effective rate of 1% of home value.
Is ZIP Code 32405 expensive to live in?
Homes in ZIP Code 32405 cost about 3.81× the median household income, higher than 71% of U.S. ZIP codes.
What is the average rent in ZIP Code 32405?
The median gross rent in ZIP Code 32405 is $1,467 a month, higher than 82% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 32405?
Home prices in ZIP Code 32405 have moved 40% over the past five years (1.5% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 32405?
ZIP Code 32405 averages 69.7°F year-round, summer highs near 89.9°F, winter lows around 46.7°F (NOAA 1991–2020 normals).
Is ZIP Code 32405 at risk of flooding or natural disasters?
ZIP Code 32405's FEMA National Risk Index score is 91.3 (higher than 87% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Expected annual loss from flooding is 0.04 per $1,000 of building value.

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