ZIP code 32438 is located in Bay County, Florida. This area is served by 20 utility providers across 3 categories. The average residential electricity rate here is 16.6¢/kWh. 83.5% of households use electricity as their primary heating fuel.
Estimated monthly utility costs
$365/month
Cost estimates from U.S. Census ACS 5-year data · Shorter bar = lower cost
Electric
Water
Internet
Nearby ZIP codes
Frequently asked questions
How do I set up utilities when moving to 32438?
Contact each provider separately before your move-in date. Start with electric (Duke Energy Florida, LLC) since those typically need a few business days to activate. Water and sewer are often handled with one call to your local utility. Set up internet last since it may require an installation visit.
How much do utilities cost per month in 32438?
Total estimated monthly costs are around $364, which is about $19 less than the national average. Electricity is the biggest expense at roughly $225/month. Natural gas runs about $125. Water and sewer combined are around $15. Costs vary by home size, usage, and season. Estimates from U.S. Census ACS data.
Is electricity expensive in 32438?
Electricity in ZIP code 32438 costs about 11% more than the national average. Compared to Florida overall, rates here are about 9% higher. Based on 2023 NREL residential electricity rate data.
What internet providers are available in 32438?
ZIP code 32438 has strong broadband coverage. Providers include AT&T (Fiber / Fixed Wireless / DSL up to 1,000 Mbps), Consolidated Communications (DSL up to 50 Mbps), T-Mobile (Fixed Wireless up to 100 Mbps), Uniti Fiber GulfCo LLC (Fiber up to 10,000 Mbps), Verizon (Fixed Wireless up to 300 Mbps). Availability varies by street address. Based on FCC Broadband Data Collection filings.
What county is 32438 in?
ZIP code 32438 is in Bay County, Florida.
Disclaimer: Provider information is sourced from federal databases including HIFLD, EPA SDWIS, FCC Broadband Data, and EIA-861. Utility cost estimates are from the U.S. Census Bureau American Community Survey 5-Year Estimates. Electric rates are based on 2023 NREL data. Coverage areas are approximate and may not reflect recent changes. Please verify directly with your provider.
Data sources: U.S. Census Bureau, NREL, EIA-861, HIFLD, EPA, FCC. Last updated: April 2026.