Best Places32320, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 32320, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
32320 ranks 29,457th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and summer heat is the weak spot.
The best neighborhoods in 32320
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
32320's strengths and weaknesses
Where 32320 ranks high
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Short commute17.4 minutes each way, better than 93% of zip codes
- Cheap childcare$555 a month, better than 90% of zip codes
- WalkabilityBetter than 90% of zip codes
Where 32320 ranks low
- Heat safetyBetter than only 1% of zip codes
- Disaster safetyBetter than only 4% of zip codes
- Cost of living vs incomeBetter than only 9% of zip codes
- Cheap car insuranceBetter than only 10% of zip codes
- Household income$50,997 median, better than only 12% of zip codes
What it costs to buy a home in 32320
A household needs to earn about $64,000 a year to comfortably buy the median 32320 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $50,997, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 32320's effective rate of 0.60%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 7 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 32320
32320 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 32320.
Who works in 32320, and how
Work in 32320 centers on public administration and health care & social. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 92%
- Work from home 5%
- Transit, walk, or bike 3%
Life in 32320
32320 has more restaurants and bars per resident than 90% of zip codes. The coast is about 2 minutes away. That concentrates in some parts of 32320 and thins out in others, which the map shows.
What the weather is like in 32320, month by month
32320 sees roughly 124 pleasant days a year. July highs average about 91 degrees. January highs sit near 67, with lows near 43. The comfortable stretch runs February through April and October through December.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 67° | 54° | 43° |
| April | 79° | 69° | 57° |
| July | 91° | 83° | 75° |
| October | 83° | 73° | 63° |
Flying in and out of 32320
The nearest airport, Tallahassee International, is about 61 miles away and is a small airport. The nearest major hub is Tampa International, about 192 miles away.
The best schools in and around 32320
Schools across 32320 average a D+, better than 15% of zip codes.
Top elementary schools
- Port St. Joe Elementary SchoolB+ · 52% proficient
- Apalachicola Bay Charter SchoolB+ · 51% proficient
Top high schools
- Port St. Joe High SchoolB− · 44% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 32320 school and its grade on SchoolGrade.
32320 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 32320 against the other 33,109 zip codes.
Common questions about living in 32320
Is 32320 a good place to live?
Using BestNeighborhood's default rankings, 32320 ranks 29,457th of 33,110 zip codes. It scores highest on state infrastructure, low taxes, and short commutes, and lowest on summer heat and disaster risk. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 32320 expensive to live in?
The median home is worth $250,902. The overall cost of living runs about 4% below the national average. Set against a $50,997 median income, cost of living beats 9% of zip codes.
Is 32320 safe?
32320 is safer than 14% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $383 per resident a year.
Compare 32320 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 32320. Scores are absolute rather than ranked, which means a 60 in 32320 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
32320 detail on BestNeighborhood maps:
- Walk Grade for 32320: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 32320: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 32320: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 32320: carrier by carrier coverage behind the cell score.
32320 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.