HousingHandbookReference data

U.S. ZIP Code · FL32565

Santa Rosa County · Pensacola-Ferry Pass-Brent, FL

Typical home value

$273,893[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+3.5%
5-year / yr
+5.0%
10-year / yr
+8.6%

Relative price

vs U.S.
-3.6%
vs metro
-3.2%
vs state
-21.0%
ZIP 32565 location in FL
Location of ZIP 32565 in FL

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 32565 is worth $273,893 — 3.2% below the Pensacola-Ferry Pass-Brent, FL median. Over the past year, values have risen 3.5%. The effective property tax rate is 0.5%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.5%[3]
Typical annual tax
$1,276[3]

#Climate risk

FEMA National Risk Index ratings for Santa Rosa County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Relatively Moderate
Wildfire
Relatively Low
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Relatively High
Tornado
Relatively Moderate
Earthquake
Very Low
Winter weather
Relatively Low

#Who lives here

Population
5,664[3]
Median household income
$84,432[3]

#Migration

Household moves in and out of Santa Rosa County over a year, from IRS tax-return data.

Net migration
+1,478[5]
Moved in
8,192
Moved out
6,714

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
2
Middle
0
High
1
  • JAY HIGH SCHOOL

    High · Grades 7–12 · SANTA ROSA

    506 students

  • JAY ELEMENTARY SCHOOL

    Elementary · Grades PK–6 · SANTA ROSA

    488 students

  • CHUMUCKLA ELEMENTARY SCHOOL

    Elementary · Grades PK–6 · SANTA ROSA

    338 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,385
Loan principal$219,115
Down payment$54,779
Total interest paid$279,469

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,720
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
43rd percentile[1]
Rental yield
[2]
Property tax
5th percentile[3]

Frequently asked

How much is a home worth in ZIP code 32565?
The typical home in 32565 is worth $273,893, based on the Zillow Home Value Index.
Are home values rising in 32565?
Home values in 32565 are up 3.5% over the past year, and up 5.0% a year over five years.
What is the property tax rate in 32565?
The effective property tax rate in 32565 is 0.5% — roughly $1,276 a year on a typical home.
Who lives in 32565?
ZIP code 32565 has a population of 5,664 and a median household income of $84,432.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Munson CDP, FL

    Typical home
    $276,672
    Gross yield
    7.8%
  • Harold CDP, FL

    Typical home
    $270,263
    Gross yield
  • Pensacola, FL

    Typical home
    $270,196
    Gross yield
    6.6%
  • Pensacola, FL

    Typical home
    $268,697
    Gross yield
    7.8%
  • Bellview CDP, FL

    Typical home
    $282,037
    Gross yield
    8.0%
  • FL

    Typical home
    $283,677
    Gross yield

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