Best Places32534, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 32534, 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.
32534 ranks 20,945th 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 32534
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.
32534's strengths and weaknesses
Where 32534 ranks high
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Local economyBetter than 87% of zip codes
- Internet speedBetter than 86% of zip codes
- Cell coverageBetter than 85% of zip codes
Where 32534 ranks low
- Disaster safetyBetter than only 4% of zip codes
- Heat safetyBetter than only 8% of zip codes
- Cheap car insuranceBetter than only 8% of zip codes
- QuietBetter than only 13% of zip codes
- Household income$58,936 median, better than only 22% of zip codes
What it costs to buy a home in 32534
A household needs to earn about $55,000 a year to comfortably buy the median 32534 home, at 20% down and today's 30-year rate. That is below the area's own median income of $58,936, so a typical household can afford the median home outright.
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 32534's effective rate of 0.57%, 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 5 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 32534
32534's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 32534.
Who works in 32534, and how
Work in 32534 centers on health care & social and finance & insurance. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 12%
- Transit, walk, or bike 5%
Life in 32534
32534 has more restaurants and bars per resident than 72% of zip codes and more parkland per resident than 86% of zip codes. The coast is about 24 minutes away. Dining, parks, and nightlife concentrates in some parts of 32534 and thins out in others, which the map shows.
What the weather is like in 32534, month by month
32534 sees roughly 125 pleasant days a year. July highs average about 91 degrees. January highs sit near 63, with lows near 45. The comfortable stretch runs February through April and October through December.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 63° | 53° | 45° |
| April | 78° | 69° | 61° |
| July | 91° | 83° | 77° |
| October | 82° | 73° | 64° |
Flying in and out of 32534
The nearest airport, Pensacola International, is about 7 miles away and is a small airport. The nearest major hub is Louis Armstrong New Orleans International, about 182 miles away.
The best schools in and around 32534
Schools across 32534 average a B, better than 68% of zip codes.
Top elementary schools
- R. C. Lipscomb Elementary SchoolA− · 61% proficient
- Pine Meadow Elementary SchoolA− · 58% proficient
- Beulah Elementary SchoolB+ · 55% proficient
Top middle schools
- Brown Barge Middle SchoolA+ · 73% proficient
- Ransom Middle SchoolB+ · 51% proficient
- Ferry Pass Middle SchoolC · 35% proficient
Top high schools
- J. M. Tate Senior High SchoolB+ · 57% proficient
- Pine Forest High SchoolC− · 30% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 32534 school and its grade on SchoolGrade.
32534 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 32534 against the other 33,109 zip codes.
Common questions about living in 32534
Is 32534 a good place to live?
Using BestNeighborhood's default rankings, 32534 ranks 20,945th of 33,110 zip codes. It scores highest on state infrastructure, low taxes, and a strong job market, and lowest on disaster risk and summer heat. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 32534 expensive to live in?
The median home is worth $218,992. The overall cost of living runs about 13% below the national average. Set against a $58,936 median income, cost of living beats 24% of zip codes.
Is 32534 safe?
Yes, 32534 is safer than 62% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $194 per resident a year.
Compare 32534 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 32534. Scores are absolute rather than ranked, which means a 60 in 32534 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.
32534 detail on BestNeighborhood maps:
- Walk Grade for 32534: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 32534: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 32534: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 32534: carrier by carrier coverage behind the cell score.
32534 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.