ZIP Code 32323

ZIP code 32323, centered on Apalachicola, sits in working-class territory: a median household income of $42,534 and per-capita income of $26,796 both trail state and national averages by a wide margin. The county-level property tax rate of 0.63% keeps annual bills low on paper, though that advantage shrinks against incomes already stretched thin. A combined sales tax of 7.50% adds further pressure at the register, since everyday purchases absorb a larger share of smaller paychecks. Households here balance a genuinely low property levy against a consumption tax that hits hardest when earnings are limited.