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Population & Demographics

ZIP Code 32541 has 18,419 residents and 8,085 households (average 2.26 persons per household). The median age is 44.3 years, slightly older than the state (43.0) and older than the nation (38.8). The gender split is 50.0% male and 50.0% female, which is slightly higher than the state male share (48.6%). Largest groups are White (80.5%, much higher than the state average of 57.7% and well above the national average of 61.6%) and Hispanic or Latino (8.5%); Hispanic or Latino residents make up 8.5%, which is much lower than the state average (26.5%).

Explore More:Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2023 American Community Survey (ACS) 5-Year Estimates.

2020 Population:	18,419Source: Census DHC
2023 ACS Population Estimate:	18,632Source: Census ACS
2025 ZC Population Estimate:	34,623Source: ZIP-Codes.com
Population Density:	1,491.7 people per sq mile
Average Income:	$93,004Source: Census ACS

Households:	8,085Source: Census DHC
Average House Value:	$498,600Source: Census ACS
Persons Per Household:	2.26Source: Census DHC
Average Family Size:	2.85Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of ZIP 32541 population estimates from 2011-2023, with markers for the 2010 and 2020 Decennial Census counts to show growth or decline over time. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2010	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Census ACS Population Estimate	--	15,809	15,558	16,158	16,505	16,823	17,221	17,524	18,908	19,066	19,085	20,559	18,784	18,632
Decennial Census	15,565	--	--	--	--	--	--	--	--	--	18,419	--	--	--

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)

Median Age: 44.3

Male Median Age: 42.8

Female Median Age: 45.9

Line chart for ZIP 32541 showing total, male, and female population by age group. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	< 5	5-9	10-14	15-19	20-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-79	80-84	85+
Male	466	485	473	402	445	591	733	658	572	498	586	736	705	612	571	344	188	140
Female	433	454	449	403	407	521	658	609	582	522	622	758	815	651	571	355	237	167
Total	899	939	922	805	852	1,112	1,391	1,267	1,154	1,020	1,208	1,494	1,520	1,263	1,142	699	425	307

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table Comparison Chart

Population by Race

Pie chart of the racial and ethnic makeup of ZIP 32541. Table below includes counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	14,829	82.19%
Black:	504	2.79%
Hispanic:*	1,557	8.63%
Asian:	502	2.78%
American Indian:	64	0.35%
Hawaiian:	17	0.09%
Other:	570	3.16%
Total:	18,043	100%

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Pie Chart & Table Comparison Chart

Gender Breakdown

Simple chart showing male vs female share of the population in ZIP Code 32541. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	%	Median Age
Males:	9,205	49.98%	42.8 years
Females:	9,214	50.02%	45.9 years
Total:	18,419	100%	44.3 years

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Nativity & Citizenship

Pie chart showing nativity in ZIP 32541. Categories include native residents (born in the United States, Puerto Rico, U.S. Island Areas, or abroad to American parents) and foreign-born residents. A table below lists counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Native, born in the United States:	15,810	84.85%
Native, born in PR, Island Areas, or abroad:	299	1.60%
Foreign born, naturalized U.S. citizen:	824	4.42%
Foreign born, not a U.S. citizen:	1,699	13.54%
Total Population:	18,632	100%
Total Native Population:	16,109	86.46%
Total Foreign-born Population:	2,523	13.54%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Income & Employment

In 2023, the Median household income is $93,004, which is considerably higher than the state median ($71,711), is up $28,139 (43.4%) since 2011 and above its 2019 pre-pandemic level by $12,535. Family households earn a median of $109,000 versus $63,826 for nonfamily households (a difference of $45,174). By gender, male median income is $70,976 and female is $53,630, which is far above the state female median ($47,382), with a current gap of $17,346 that has widened from 2011 to 2023. The labor-force participation rate is 69.9%, which is much higher than the state rate (59.6%). The unemployment rate is 1.3%, which is far lower than the national rate (5.2%). The largest occupation group is Management (43.7%).

Explore More:Income Over Time Household Income Employment Status By Occupation

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02, DP03, DP04 and DP05.

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Line chart showing median income in ZIP 32541 from 2011-2023 for five series: household, family, nonfamily, male, and female. The table below lists the yearly values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Household Income	$64,865	$62,707	$62,577	$66,360	$66,128	$67,931	$73,665	$77,609	$80,469	$84,865	$84,319	$89,826	$93,004
Median Family Income	$69,298	$67,424	$69,804	$75,323	$77,558	$84,906	$91,180	$93,975	$95,000	$98,586	$102,877	$111,301	$109,000
Median NonFamily Income	$48,500	$50,687	$48,107	$47,708	$50,000	$49,639	$52,681	$54,607	$58,048	$57,314	$58,659	$60,179	$63,826
Median Male Income	$43,387	$45,730	$48,785	$51,077	$50,621	$52,054	$56,875	$58,071	$60,516	$53,791	$62,151	$66,651	$70,976
Median Female Income	$37,071	$37,188	$37,372	$38,017	$36,575	$39,632	$41,343	$42,458	$44,694	$45,267	$46,330	$47,813	$53,630

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar chart showing average household income comparing ZIP 32541, city of Destin, Okaloosa County, state of Florida, and United States national values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table Comparison Chart

Employment Status

Pie chart of employment status for ZIP 32541, showing the shares who are employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	9,527	64.53%
Unemployed:	131	0.89%
Not In Labor Force:	5,106	34.58%
Total:	14,764	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Employment by Occupation (Civilian Employed Population, 16 and Over)

Donut Chart showing the distribution of employed civilians aged 16 and over by occupation category: management, service, sales and office, natural resources and construction, and production and transportation. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Management, business, science, and arts:	4,166	43.73%
Service:	1,339	14.05%
Sales and Office:	2,511	26.36%
Natural resources, construction, and maintenance:	751	7.88%
Production, transportation, and material moving:	760	7.98%
Total Civilian Employed Population:	9,527	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability

In 2023, the median home value is $498,600, which is considerably higher than the national median ($303,400), is up $174,100 (53.65%) since 2011 and above its 2019 pre-pandemic level by $130,600. The median gross rent is $1,976, which is far above the national median ($1,348), is up $757 (62.10%) since 2011 and above its 2019 pre-pandemic level by $422. Of occupied housing, owners make up 68.13% (56.09% with a mortgage, 43.91% free-and-clear) and renters 31.87% - making this ZIP Code more home ownership than the state and under national rental averages. The vacancy rate is 48.96%, which is considerably higher than the national rate (10.43%).

Explore More:Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar chart showing the median home value for ZIP 32541, compared with Destin, Okaloosa County, state of Florida, and the U.S. National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time

Line chart showing median home values for ZIP 32541 across years 2011-2023 using ACS 5-year estimates. The chart displays the typical dollar value of owner-occupied housing units. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Home Value	$324,500	$294,800	$275,800	$293,100	$320,700	$332,900	$335,700	$358,900	$368,000	$381,600	$397,700	$476,400	$498,600

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid

Pie chart of gross rent for renter-occupied homes in ZIP 32541, showing monthly rent brackets and the share of units in each range. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	21	0.79%
$500 to $999:	61	2.29%
$1,000 to $1,499:	338	12.68%
$1,500 to $1,999:	881	33.05%
$2,000 to $2,499:	802	30.08%
$2,500 to $2,999:	260	9.75%
$3,000 or more:	154	5.78%
No Rent:	149	5.59%
Total:	2,666	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time

Line chart displaying median gross rent for ZIP 32541 over the years 2011-2023 using ACS 5-year estimates. The chart represents typical monthly housing costs for renter households. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Rent	$1,219	$1,176	$1,229	$1,261	$1,282	$1,341	$1,396	$1,457	$1,554	$1,622	$1,669	$1,830	$1,976

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy

Pie chart showing housing occupancy for ZIP 32541. Categories include owner-occupied units with a mortgage, owner-occupied units free and clear, and renter-occupied units. A table below lists counts and percentages. Vacant housing units are shown separately in the Vacancy chart. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	3,197	38.21%
Owner Occupied (free and clear, no mortgage):	2,503	29.92%
Renter Occupied:	2,666	31.87%
Total Occupied Housing Units:	8,366	100%

Occupied Housing Units:	8,366	51.04%
Vacant Housing Units (not graphed):	8,024	48.96%
Total Housing Units:	16,390	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Housing Type (Single-Family, Multi-Family, Other)

Pie chart showing housing type distribution for ZIP 32541. Categories include single-family units (detached or attached), multi-family units (from 2 units up to 50 or more units), and other structures such as mobile homes or boats/RVs. A table below lists counts and percentages for each group.Load Chart Manually (if needed)

Single-Family Units:	7,138	43.55%
Multi-Family Units:	9,151	55.83%
Other Units:	101	0.62%
Total Housing Units:	16,390	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community

In 2023, 47.70% of adults (25+) have a bachelor's degree or higher, which is markedly above the state rate (33.20%), well above both the state and national averages. High school or higher is 95.20%, which is far higher than the national rate (89.40%). The uninsured rate is 15.10%, which is far higher than the national rate (8.60%). Public coverage is 27.10%, which is generally lower than the state rate (37.00%). The share of people in poverty is 5.90%, which is generally lower than the state rate (8.90%), up 2.40 percentage points since 2011 and above its 2019 pre-pandemic level by 0.60 percentage points. This points to rising hardship - a weaker consumer base, greater strain on public services, and job-market headwinds. Among residents ages 3+, the largest enrollment group is elementary (44.44%). College enrollment is 17.15%, which is markedly below the state rate (27.90%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.

Explore More:Educational Attainment Health Insurance Poverty Over Time School Enrollment

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) in ZIP 32541, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. A table lists counts and percentages.Load Chart Manually (if needed)

Less than 9th grade:	323	2.29%
9th to 12th grade, no diploma:	350	2.48%
High school graduate (includes equivalency):	2,117	15.00%
Some college, no degree:	3,077	21.80%
Associate's degree:	1,512	10.71%
Bachelor's degree:	4,629	32.80%
Graduate or professional degree:	2,106	14.92%
Total:	14,114	100%
High school or higher:	13,441	95.23%
Bachelor's degree or higher:	6,735	47.72%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Pie Chart & Table Comparison Chart

Health Insurance Coverage by Type (Private, Public, Uninsured)

Pie chart illustrating health insurance coverage by type for ZIP Code 32541. Categories include private insurance, public coverage such as Medicare and Medicaid, and individuals with no health insurance. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Private Insurance:	12,529	62.41%
Public Insurance:	4,846	24.14%
No Insurance:	2,699	13.45%
Total:	20,074	100%
Has Health Insurance:	17,375	86.55%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Percentage of People in Poverty Over Time (2011-2023)

Line chart displaying the share of families and people in ZIP 32541 whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2023. The chart shows year-to-year changes in the percentage of people in poverty. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
% of People in Poverty	3.5%	4.5%	5.3%	5.2%	4.6%	3.7%	3.9%	5.9%	5.3%	5.6%	7.2%	7.1%	5.9%

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.

School Enrollment by Education Level (Ages 3 and Older)

Pie Chart showing enrollment of residents ages 3 and older in Nursery School or Preschool, Kindergarten, Elementary (grades 1-8), High School (grades 9-12), and College or Graduate School. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Nursery School, Preschool:	344	9.98%
Kindergarten:	253	7.34%
Elementary school (grades 1-8):	1,532	44.44%
High school (grades 9-12):	727	21.09%
College or graduate school:	591	17.15%
Total:	3,447	100%
Early Childhood:	597	17.32%
K-12 (Primary & Secondary School):	2,512	72.87%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

City:	Destin, Florida
County:	Okaloosa County
Timezone:	Central (GMT -06:00)
Local Time:	8:36:09 PM
Population:	18,419 [See All]
Area Codes:	850 / 448
Classification:	Standard [Normal Street Delivery]
Coordinates:	30.3981, -86.4559
Land Area:	12.348 sq mi
Quick Link:	https://www.zip-codes.com/zip-code/32541/zip-code-32541.asp

# Residential Mailboxes:	15,320Source: USPS
# Business Mailboxes:	1,383Source: USPS
Total Delivery Receptacles:	15,892Source: USPS
Single Family Delivery Units:	4,964Source: USPS
Multi Family Delivery Units:	7,299Source: USPS

# of Businesses:	1,447Source: CBP
1st Quarter Payroll:	$153,067,000Source: CBP
Annual Payroll:	$618,400,000Source: CBP
# of Employees:	13,823Source: CBP

CBSA Name:	Crestview-Fort Walton Beach-Destin, FLSource: Census
CBSA Number:	18880Source: Census
CBSA Type:	MetroSource: Census
CBSA Division:	--Source: Census
CBSA Population:	294,127Source: Census
MSA:	Fort Walton Beach, FL MSASource: Census
Land Area:	12.348 sq miSource: Census
Water Area:	6.679 sq miSource: Census

Congressional District:	01Source: USPS
Congressional Land Area:	4016.3 sq miSource: Census
PMSA:	--Source: Census
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	1217325Source: Census
Place Name:	Destin city; FloridaSource: Census

ZIP Code 32541 in Destin, FL

Population & Demographics

Population Over Time (with 2010 & 2020 Census Benchmarks)

Population by Age & Gender (Total, Male, Female)

Population by Race

Gender Breakdown

Nativity & Citizenship

Income & Employment

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Average Household Income

Employment Status

Employment by Occupation (Civilian Employed Population, 16 and Over)

Housing & Affordability

Median Home Value (Comparison)

Median Home Value Over Time

Gross Rent Paid

Median Gross Rent Over Time

Housing Occupancy

Housing Type (Single-Family, Multi-Family, Other)

Education, Health & Community

Educational Attainment of Adults (25 and Older)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Percentage of People in Poverty Over Time (2011-2023)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, & Statistical Classifications

Adjacent & Nearby ZIP Codes

Schools in ZIP Code 32541

Colleges & Post Secondary Schools near ZIP Code 32541

Sources & References