Best Places32413, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 32413, scored on 40 measures of daily life and ranked to fit what matters to you. Costs and crime both read low, and the nearest big city is a drive away. To work out which city fits you best, start with the best places to live tool.
32413 ranks 13,719th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and disaster risk is the weak spot.
The best neighborhoods in 32413
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.
32413's strengths and weaknesses
Where 32413 ranks high
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Internet speedBetter than 89% of zip codes
- Crime safetyBetter than 86% of zip codes
- Voter turnoutBetter than 83% of zip codes
Where 32413 ranks low
- Disaster safetyBetter than only 1% of zip codes
- Housing crash safetyBetter than only 2% of zip codes
- Heat safetyBetter than only 5% of zip codes
- Low vacancyBetter than only 8% of zip codes
- Cheap car insuranceBetter than only 10% of zip codes
What it costs to buy a home in 32413
A household needs to earn about $125,000 a year to comfortably buy the median 32413 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $88,333, 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 32413's effective rate of 0.58%, 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 10 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 32413
32413 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 32413.
Who works in 32413, and how
Work in 32413 centers on hospitality & food and retail trade. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 79%
- Work from home 17%
- Transit, walk, or bike 4%
Life in 32413
32413 has more restaurants and bars per resident than 92% of zip codes and more parkland per resident than 88% of zip codes. The coast is about 1 minutes away. Dining, parks, and nightlife concentrates in some parts of 32413 and thins out in others, which the map shows.
What the weather is like in 32413, month by month
32413 sees roughly 99 pleasant days a year. July highs average about 91 degrees. January highs sit near 65, with lows near 43. The comfortable stretch runs February through May and October through December.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 65° | 52° | 43° |
| April | 79° | 67° | 56° |
| July | 91° | 82° | 74° |
| October | 84° | 71° | 60° |
Flying in and out of 32413
The nearest airport, Northwest Florida Beaches International, is about 11 miles away and is a small airport. The nearest major hub is Hartsfield/Jackson Atlanta International, about 250 miles away.
The best schools in and around 32413
Schools across 32413 average an A−, better than 81% of zip codes.
Top elementary schools
- Dune Lakes Elementary SchoolA · 71% proficient
- West Bay Elementary SchoolB+ · 55% proficient
- Hutchison Beach Elementary SchoolB+ · 52% proficient
Top middle schools
- Emerald Coast Middle SchoolA · 67% proficient
- Surfside Middle SchoolA− · 57% proficient
Top high schools
- South Walton High SchoolA · 73% proficient
- J.r. Arnold High SchoolB+ · 54% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 32413 school and its grade on SchoolGrade.
32413 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 32413 against the other 33,109 zip codes.
Common questions about living in 32413
Is 32413 a good place to live?
Using BestNeighborhood's default rankings, 32413 ranks 13,719th of 33,110 zip codes. It scores highest on state infrastructure, low taxes, and fast internet, and lowest on disaster risk and an overheated housing market. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 32413 expensive to live in?
The median home is worth $494,459. The overall cost of living runs about 9% above the national average. Set against a $88,333 median income, cost of living beats 56% of zip codes.
Is 32413 safe?
Yes, 32413 is safer than 86% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $153 per resident a year.
Compare 32413 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 32413. Scores are absolute rather than ranked, which means a 60 in 32413 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.
32413 detail on BestNeighborhood maps:
- Walk Grade for 32413: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 32413: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 32413: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 32413: carrier by carrier coverage behind the cell score.
32413 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.