32431 ZIP Code Profile, Map, Data & Demographics

ZIP Code Type: STANDARD
County: Jackson County
Centroid: Latitude 30.798, Longitude -85.374
Time Zone: Central Time Zone (UTC -6 hours)
Observes DST: Yes

ZIP Code 32431 has segments in 2 Counties (Jackson, Washington).

Businesses Addresses: 94
PO Box Addresses: 166
Residential Addresses: 2,146

Multi-Family Addresses: 0
Single Family Addresses: 2,146

The ZIP Code maps and database are updated 4 times per year.
Database updated: October 1, 2025, Maps updated: May 1, 2024.

Cottondale, FL 32431 Data & Demographics (As of July 1, 2025)

POPULATION
Total Population	4,991 (100%)
Population in Households	4,991 (100.0%)
Population in Families	4,024 (80.6%)
Population in Group Quarters¹	0
Population Density	50
Diversity Index²	49


INCOME
Median Household Income	$59,307
Average Household Income	$66,633
% of Income for Mortgage⁴	17%
Per Capita Income	$26,835
Wealth Index⁵	46
Socioeconomic Status Index⁶	Moderate (49.6)

HOUSING
Total HU (Housing Units)	2,299 (100%)
Owner Occupied HU	1,477 (64.2%)
Renter Occupied HU	533 (23.2%)
Vacant Housing Units	289 (12.6%)
Median Home Value	$160,764
Average Home Value	$196,302
Housing Affordability Index³	130

HOUSEHOLDS
Total Households	2,010
Average Household Size	2.48
Family Households	1,343
Average Family Size	3.00

NOTES

Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.
The Socioeconomic Index ranges from zero (lowest relative status) to 100 (highest relative status). This measure quantifies disparities in social position of an area's inhabitants and is built from a broad range of demographic, housing, and socioeconomic inputs. More information on this measure can be found in Esri's SEI tutorial.

Cottondale, FL 32431 - Peer Comparisons by Rank and Percentile

The table below compares 32431 to the other 982 ZIP Codes in Florida by rank and percentile using July 1, 2025 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

GROWTH RATE / YEAR	2020-2025	2025-2030
Population	0.97%	0.32%
Households	0.76%	0.30%
Families		0.16%
Median Household Income		1.56%
Per Capita Income		2.09%
Owner Occupied HU		1.11%

Variable Description	Rank	Percentile
Total Population	# 811	18th
Population Density	# 868	12th
Median Household Income	# 765	22nd
Housing Affordability Index	# 937	95th
Per Capita Income	# 852	13th
Diversity Index	# 702	29th

32431 ZIP Code Profile, Map, Data & Demographics

ZIP Code 32431: Basic Data & USPS Preferred City Name

Cottondale, FL 32431 Data & Demographics (As of July 1, 2025)

POPULATION

INCOME

HOUSING

HOUSEHOLDS

GROWTH RATE / YEAR

Cottondale, FL 32431 - Peer Comparisons by Rank and Percentile

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