Zip code 32431: Cottondale, Florida

Q: What city is zip code 32431?

32431 is assigned to Cottondale, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 32431 in?

32431 is mostly in Jackson County, but it extends into 1 other county.

Q: What is the population of 32431?

About 4,683 people live in 32431, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32431?

The median household income in 32431 is $55,293.

Q: What zip codes are near 32431?

The closest zip codes to 32431 are 32420, 32446, 32440, 32426, 32447.

Residential delivery areaJackson CountyCentral Time

Population

4,683

Median household income

$55K

U.S. $81K

Median home value

$136K

U.S. $333K

Median rent

$1,108/mo

U.S. $1,413

Median age

44.4

U.S. 38.9

Land area

106 sq mi

44 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 32431

32431 is a rural zip code in Cottondale, Florida (Jackson County), covering 106 sq mi of land. About 4,683 people live here, or 44 per square mile. The median resident is 44.4 years old, compared with 38.9 nationally.

The median household earns $55,293 a year, 32% below the national median of $80,734. 15.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $136,200, or 2.5 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 77% of occupied homes are lived in by their owners, and renters pay a median of $1,108 a month.

17% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 27 minutes each way, and 11% of workers work from home. The most common jobs among working residents are in construction and repair; sales; and transportation and moving goods.

How 32431 compares

Sorted from highest to lowest national percentile

Rent-burdened renters73%
98th
WeaknessU.S. 51.1% · FL 60.1%68th of 945 in FL
Housing vacancy19.4%
93rd
U.S. 10.1% · FL 14.7%247th of 969 in FL
Self-employed workers14.2%
88th
U.S. 10% · FL 12.8%360th of 973 in FL
Uninsured rate13.9%
86th
WeaknessU.S. 8.4% · FL 11.5%259th of 973 in FL
Residents 65 and older22.8%
86th
U.S. 17.2% · FL 21.3%387th of 977 in FL
Median age44.4
83rd
U.S. 38.9 · FL 42.6425th of 977 in FL
Veterans8.4%
81st
U.S. 6.2% · FL 7.4%424th of 976 in FL
Homeownership rate76.8%
71st
U.S. 65.2% · FL 67.6%441st of 969 in FL
Poverty rate15.3%
70th
U.S. 12.5% · FL 12.6%288th of 970 in FL
Government workers15.4%
62nd
U.S. 14.5% · FL 11.7%222nd of 973 in FL
Average commute27 min
56th
U.S. 26.4 min · FL 28 min526th of 948 in FL
Unemployment rate5%
52nd
U.S. 5.2% · FL 4.8%371st of 973 in FL
Residents under 1822.2%
51st
U.S. 22% · FL 19.5%285th of 977 in FL
Work from home10.7%
39th
U.S. 15.1% · FL 15.7%666th of 975 in FL
Median gross rent$1,108
29th
U.S. $1,413 · FL $1,669747th of 902 in FL
Diversity index34.2
29th
U.S. 61.4 · FL 64.7726th of 977 in FL
Healthcare workers8%
28th
U.S. 9.7% · FL 9.5%656th of 973 in FL
Median earnings per worker$38,480
17th
WeaknessU.S. $49,666 · FL $44,337720th of 961 in FL
Median household income$55,293
14th
WeaknessU.S. $80,734 · FL $74,568776th of 948 in FL
Bachelor's degree or higher16.6%
13th
WeaknessU.S. 35.7% · FL 34.1%800th of 975 in FL
Broadband access84.8%
12th
WeaknessU.S. 91% · FL 91.6%841st of 969 in FL
Foreign-born residents1.8%
11th
U.S. 14.1% · FL 21.9%905th of 977 in FL
Income inequality (Gini)0.380
10th
StrengthU.S. 0.483 · FL 0.485874th of 968 in FL
Population4,683
8th
U.S. 334,922,499 · FL 22,416,077815th of 977 in FL
Per capita income$25,101
8th
WeaknessU.S. $44,673 · FL $42,609870th of 977 in FL
Median home value$136,200
7th
U.S. $332,700 · FL $359,000884th of 935 in FL
Population density44/sq mi
6th
U.S. 95/sq mi · FL 418/sq mi899th of 977 in FL
Tech workers0%
1st
U.S. 3.8% · FL 3.1%918th of 973 in FL

Measure	32431	Jackson	FL	U.S.	National percentile	Rank in FL
Rent-burdened rentersWeakness	73%	52.9%	60.1%	51.1%	98th	68th of 945
Housing vacancy	19.4%	14.2%	14.7%	10.1%	93rd	247th of 969
Self-employed workers	14.2%	12.9%	12.8%	10%	88th	360th of 973
Uninsured rateWeakness	13.9%	8.6%	11.5%	8.4%	86th	259th of 973
Residents 65 and older	22.8%	20.9%	21.3%	17.2%	86th	387th of 977
Median age	44.4	43	42.6	38.9	83rd	425th of 977
Veterans	8.4%	7.5%	7.4%	6.2%	81st	424th of 976
Homeownership rate	76.8%	75.9%	67.6%	65.2%	71st	441st of 969
Poverty rate	15.3%	19.5%	12.6%	12.5%	70th	288th of 970
Government workers	15.4%	27.7%	11.7%	14.5%	62nd	222nd of 973
Average commute	27 min	27.4 min	28 min	26.4 min	56th	526th of 948
Unemployment rate	5%	4.5%	4.8%	5.2%	52nd	371st of 973
Residents under 18	22.2%	18.9%	19.5%	22%	51st	285th of 977
Work from home	10.7%	6.9%	15.7%	15.1%	39th	666th of 975
Median gross rent	$1,108	$865	$1,669	$1,413	29th	747th of 902
Diversity index	34.2	52.6	64.7	61.4	29th	726th of 977
Healthcare workers	8%	11.7%	9.5%	9.7%	28th	656th of 973
Median earnings per workerWeakness	$38,480	$37,529	$44,337	$49,666	17th	720th of 961
Median household incomeWeakness	$55,293	$49,149	$74,568	$80,734	14th	776th of 948
Bachelor's degree or higherWeakness	16.6%	15.1%	34.1%	35.7%	13th	800th of 975
Broadband accessWeakness	84.8%	85%	91.6%	91%	12th	841st of 969
Foreign-born residents	1.8%	2.1%	21.9%	14.1%	11th	905th of 977
Income inequality (Gini)Strength	0.380	0.428	0.485	0.483	10th	874th of 968
Population	4,683	48,250	22,416,077	334,922,499	8th	815th of 977
Per capita incomeWeakness	$25,101	$24,086	$42,609	$44,673	8th	870th of 977
Median home value	$136,200	$120,800	$359,000	$332,700	7th	884th of 935
Population density	44/sq mi	53/sq mi	418/sq mi	95/sq mi	6th	899th of 977
Tech workers	0%	0.7%	3.1%	3.8%	1st	918th of 973

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

16%

5–17

18–24

15%

25–34

35–44

12%

45–54

13%

55–64

15%

65–74

75+

Median age

44.4

Under 18

22.2%

65 and over

22.8%

Race and ethnicity

White79%
Black17%
Hispanic1%
Asian0%
Native American0.0%
Pacific Islander0%
Other0%
Multiracial3%

Diversity index

34.2

U.S. 61.4

Foreign-born

1.8%

U.S. 14.1%

Born in state

63.5%

Language spoken at home (households)

English only

96%

Spanish

0.4%

Other Indo-European

Asian / Pacific

Other

0.4%

Households

Households: 1,844
Average household size: 2.5
Family households: 68.2%
Married couples: 45.9%
Living alone: 24.1%
Veterans (of adults): 8.4%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

25%

$25–50k

22%

$50–75k

17%

$75–100k

19%

$100–150k

13%

$150–200k

$200k+

0.9%

Median household income

32431

$55,293

Jackson Co.

$49,149

Florida

$74,568

United States

$80,734

Per capita income

$25,101

U.S. $44,673

Poverty rate

15.3%

U.S. 12.5%

Households earning $150K+

4.6%

U.S. 23%

Income inequality (Gini)

0.380

U.S. 0.483

Housing

Median home value

32431

$136,200

Jackson Co.

$120,800

Florida

$359,000

United States

$332,700

Median gross rent

32431

$1,108

Jackson Co.

$865

Florida

$1,669

United States

$1,413

Types of housing

Single-family

65%

2–4 units

5–19 units

20+ units

0.7%

Mobile home

30%

Boat, RV, van

0.0%

Housing units: 2,288
Owner-occupied: 76.8%
Vacant: 19.4%
Median year built: 1986
Median rooms: 5.5
Renters paying 30%+ of income: 73%
Renters paying 50%+ of income: 34.2%
Home value to income: 2.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

72%

Carpooled

14%

Transit

0.2%

Walked

0.2%

Bicycle

Worked from home

11%

Other

Commute time (one way)

<10 min

10–19

27%

20–29

24%

30–44

21%

45–59

60+

12%

Average commute

27 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

51.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

17%

Sales

12%

Transportation and moving

11%

Management

10%

Cleaning and personal care

Healthcare

Office and admin

Production

Education

Food service

Business and finance

Police and fire

Engineering and science

Legal and social services

Arts, media and sports

Farming, fishing and forestry

0.9%

Computer and math

Industries

Retail

13%

Construction

13%

Health care and social assistance

11%

Education

10%

Transportation, warehousing and utilities

Other services

Admin, support and management

Manufacturing

Restaurants and hotels

Agriculture and mining

Public administration

Professional and technical services

Information

Finance, insurance and real estate

Arts and recreation

Wholesale

Median earnings per worker

$38,480

U.S. $49,666

Self-employed

14.2%

U.S. 10%

Government workers

15.4%

U.S. 14.5%

Nonprofit workers

5.4%

U.S. 8.8%

Median earnings by type of work

Type of work	32431	U.S.
Management, business, science and arts	$39,611	$74,888
Service	$29,028	$26,804
Sales and office	$19,063	$40,476
Construction and maintenance	$45,185	$49,199
Production and transportation	$42,819	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

10%

High school

54%

Some college

15%

Associate's

Bachelor's

12%

Graduate

High school graduate or higher: 90.2%
Bachelor's degree or higher: 16.6%
Graduate or professional degree: 4.5%
Households with broadband: 84.8%
Cable, fiber or DSL: 35.1%
No internet access: 14.1%
Without health insurance: 13.9%
Limited-English households: 0%

Geography

City (USPS): Cottondale
State: Florida
County: Jackson County
Center point: 30.7875° N, 85.4108° W
Land area: 106 sq mi
Water area: 7.3 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

32431 spans 2 counties

Jackson County84% of land
Washington County16% of land

Cities and towns within this zip

Jacob City3% of zip
Cottondale2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 32431

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32420	Alford, FL	11 mi	2,159	$48,446	$119,600
32446	Marianna, FL	11 mi	10,910	$55,125	$161,000
32440	Graceville, FL	12 mi	8,253	$59,246	$115,700
32426	Campbellton, FL	12 mi	720	$33,802	$73,200
32447	Marianna, FL · PO box	13 mi	—	—	—
32448	Marianna, FL	14 mi	8,549	$43,862	$110,800
32463	Wausau, FL	15 mi	128	$64,643	$66,900
32428	Chipley, FL	15 mi	17,950	$57,493	$179,400
32445	Malone, FL	18 mi	2,450	$61,336	$104,800
32452	Noma, FL · PO box	18 mi	—	—	—
32443	Greenwood, FL	19 mi	2,879	$47,663	$127,900
32425	Bonifay, FL	19 mi	13,942	$46,667	$123,600

Zip codes like 32431 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 32431

What city is zip code 32431?

32431 is assigned to Cottondale, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 32431 in?

32431 is mostly in Jackson County, but it extends into 1 other county.

What is the population of 32431?

About 4,683 people live in 32431, according to the Census Bureau's American Community Survey.

What time zone is 32431 in?

32431 is in Central Time.

What is the median household income in 32431?

The median household income in 32431 is $55,293.

What zip codes are near 32431?

The closest zip codes to 32431 are 32420, 32446, 32440, 32426, 32447.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32431, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.