32539 and 32404 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
32539
32404
Opportunity
47 · Bottom 33%
vs52 · Bottom 44%
Growth
59 · Top 35%
vs65 · Top 22%
Climate
76 · Top 27%
vs82 · Top 12%
Physical resilience
19 · Bottom 13%
vs11 · Bottom 7%
Housing affordability
80 · Top 50%
vs82 · Top 47%
Schools
53 · Top 48%
vs39 · Bottom 34%
Access
97 · Top 32%
vs91 · Bottom 45%
Economic stability
60 · Top 50%
vs56 · Bottom 43%
Measured values
| Metric | 32539 | 32404 | Source period |
|---|---|---|---|
| Population | 33,290 | 42,514 | 2024 ACS 5-Year |
| Median household income | $74,369 | $74,708 | 2024 ACS 5-Year |
| Per capita income | $35,829 | $34,098 | 2024 ACS 5-Year |
| Population density | 260/sq mi | 315/sq mi | 2024 ACS 5-Year |
| Median home value | $286,200 | $273,500 | 2024 ACS 5-Year |
| Median gross rent | $1,391 | $1,399 | 2024 ACS 5-Year |
| Homeownership rate | 78.3% | 69.2% | 2024 ACS 5-Year |
| Unemployment rate | 4.7% | 4.6% | June 2026 |
| Employment change (year over year) | -1.3% | -0.4% | June 2026 |
| Bachelor's degree or higher | 25.2% | 23.4% | 2024 ACS 5-Year |
| Poverty rate | 7.0% | 10.5% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 213 | 247 | 12 months ending July 2026 |
| Permits per 1,000 residents | 7.4 | 7.1 | 12 months ending July 2026 |
| Permit change (year over year) | -18.7% | -7.1% | 12 months ending July 2026 |
| Average July high | 92°F | 91°F | 1991-2020 Normals |
| Average January low | 39°F | 45°F | 1991-2020 Normals |
| Distance to major airport | 3 mi | 21 mi | NASR current cycle |
| Average commute | 35.3 min | 28.6 min | 2024 ACS 5-Year |
| Median age | 35.7 | 37.1 | 2024 ACS 5-Year |
| Public schools | 6 | 8 | 2024-25 school year |
| Students per teacher | 17.42 | 18.34 | 2024-25 school year |
| Math proficiency | 53.9% | 50.3% | 2019-20 school year |
| Reading proficiency | 58.1% | 48.0% | 2019-20 school year |
| Free or reduced-price lunch eligibility | 60.7% | 44.5% | 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
32539
Elevated or high exposure: hurricane.
32404
Elevated or high exposure: hurricane.
Full profiles: 32539 — Crestview, FL · 32404 — Panama City, FL · How this is calculated: methodology