32404 and 32539 receive effectively the same standardized Area Score. Which fits you better depends on which dimensions you weight — the differences below are where they actually diverge.
Signals
32404
32539
Opportunity
52 · Bottom 44%
vs47 · Bottom 33%
Growth
65 · Top 22%
vs59 · Top 35%
Climate
82 · Top 12%
vs76 · Top 27%
Physical resilience
11 · Bottom 7%
vs19 · Bottom 13%
Housing affordability
82 · Top 47%
vs80 · Top 50%
Schools
39 · Bottom 34%
vs53 · Top 48%
Access
91 · Bottom 45%
vs97 · Top 32%
Economic stability
56 · Bottom 43%
vs60 · Top 50%
Measured values
| Metric | 32404 | 32539 | Source period |
|---|---|---|---|
| Population | 42,514 | 33,290 | 2024 ACS 5-Year |
| Median household income | $74,708 | $74,369 | 2024 ACS 5-Year |
| Per capita income | $34,098 | $35,829 | 2024 ACS 5-Year |
| Population density | 315/sq mi | 260/sq mi | 2024 ACS 5-Year |
| Median home value | $273,500 | $286,200 | 2024 ACS 5-Year |
| Median gross rent | $1,399 | $1,391 | 2024 ACS 5-Year |
| Homeownership rate | 69.2% | 78.3% | 2024 ACS 5-Year |
| Unemployment rate | 4.6% | 4.7% | June 2026 |
| Employment change (year over year) | -0.4% | -1.3% | June 2026 |
| Bachelor's degree or higher | 23.4% | 25.2% | 2024 ACS 5-Year |
| Poverty rate | 10.5% | 7.0% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 247 | 213 | 12 months ending July 2026 |
| Permits per 1,000 residents | 7.1 | 7.4 | 12 months ending July 2026 |
| Permit change (year over year) | -7.1% | -18.7% | 12 months ending July 2026 |
| Average July high | 91°F | 92°F | 1991-2020 Normals |
| Average January low | 45°F | 39°F | 1991-2020 Normals |
| Distance to major airport | 21 mi | 3 mi | NASR current cycle |
| Average commute | 28.6 min | 35.3 min | 2024 ACS 5-Year |
| Median age | 37.1 | 35.7 | 2024 ACS 5-Year |
| Public schools | 8 | 6 | 2024-25 school year |
| Students per teacher | 18.34 | 17.42 | 2024-25 school year |
| Math proficiency | 50.3% | 53.9% | 2019-20 school year |
| Reading proficiency | 48.0% | 58.1% | 2019-20 school year |
| Free or reduced-price lunch eligibility | 44.5% | 60.7% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
32404
Elevated or high exposure: hurricane.
32539
Elevated or high exposure: hurricane.
Full profiles: 32404 — Panama City, FL · 32539 — Crestview, FL · How this is calculated: methodology