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ZIP Code 32408

Bay, Florida

FIPS 32408

Juniper

ZIP Code 32408 is in the top 17% nationally for HPI growth 5yr %, but in the bottom 17% nationally for price-to-income ratio. It also sits in the 85th percentile nationally for median rent. And it sits in the bottom 19% nationally for FEMA risk score.

Median Home Value

$382,300

Higher than 80% of U.S. ZIP codes

HPI Growth 5yr %

58%

Higher than 83% of U.S. ZIP codes

FEMA Risk Score

87.1

Higher than 81% of U.S. ZIP codes

The basics

Total Population

18,832

Median Age

47.8

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$382,300

Higher than 80%

Median Property Tax

$2,454

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

4.73

Higher than 83%

Median Rent

$1,584

Higher than 85%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

58%

Higher than 83%

Appreciation 1yr %

0.79%

Higher than 68%

Pandemic Gain %

70%

Recession Drop %

-42%

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

87.1

Higher than 81%

EAL Flood/Coastal per $1K

0.09

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 32408: frequently asked questions

What is the median home value in ZIP Code 32408?
The median home value in ZIP Code 32408 is $382,300, higher than 80% of U.S. ZIP codes.
How much is property tax in ZIP Code 32408?
The median annual property tax in ZIP Code 32408 is $2,454, an effective rate of 1% of home value.
Is ZIP Code 32408 expensive to live in?
Homes in ZIP Code 32408 cost about 4.73× the median household income, higher than 83% of U.S. ZIP codes.
What is the average rent in ZIP Code 32408?
The median gross rent in ZIP Code 32408 is $1,584 a month, higher than 85% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 32408?
Home prices in ZIP Code 32408 have moved 58% over the past five years (0.79% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 32408?
ZIP Code 32408 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 32408 at risk of flooding or natural disasters?
ZIP Code 32408's FEMA National Risk Index score is 87.1 (higher than 81% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Expected annual loss from flooding is 0.09 per $1,000 of building value.

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