| City: | Fort Walton Beach, Florida |
| City Alias: | Ft Walton Bch, Okaloosa Is, Okaloosa Island |
| Names to Avoid: | Cinco Bayou, Ft Walton Beach, West Destin |
| County: | Okaloosa County |
| Timezone: | Central (GMT -06:00) |
| Local Time: | 8:36:20 PM |
| Population: | 22,399 [See All] |
| Area Codes: | 850 / 448 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 30.3952, -86.7212 |
| Land Area: | 12.067 sq mi |
| Quick Link: |
ZIP Code 32548 has 22,399 residents and 9,931 households (average 2.23 persons per household). The median age is 41.5 years, slightly younger than the state (43.0) and slightly 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 (66.1%, much higher than the state average of 57.7%) and Black or African American (12.8%, slightly lower than the state average of 15.1%); Hispanic or Latino residents make up 12.2%, which is much lower than the state average (26.5%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 22,399Source: Census DHC |
| 2023 ACS Population Estimate: | 23,209Source: Census ACS |
| 2025 ZC Population Estimate: | 27,790Source: ZIP-Codes.com |
| Population Density: | 1,856.2 people per sq mile |
| Average Income: | $63,857Source: Census ACS |
| Households: | 9,931Source: Census DHC |
| Average House Value: | $291,000Source: Census ACS |
| Persons Per Household: | 2.23Source: Census DHC |
| Average Family Size: | 3.31Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 20,030 | 19,808 | 19,868 | 20,394 | 20,298 | 20,744 | 21,076 | 21,315 | 21,708 | 22,818 | 22,938 | 23,575 | 23,209 |
| Decennial Census | 19,343 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 22,399 | -- | -- | -- |
Median Age: 41.5
Male Median Age: 39.7
Female Median Age: 43.6
| 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 | 563 | 609 | 564 | 592 | 715 | 971 | 831 | 790 | 701 | 576 | 627 | 912 | 883 | 589 | 507 | 324 | 243 | 198 |
| Female | 579 | 528 | 602 | 530 | 628 | 808 | 798 | 676 | 629 | 623 | 733 | 936 | 783 | 686 | 594 | 384 | 369 | 318 |
| Total | 1,142 | 1,137 | 1,166 | 1,122 | 1,343 | 1,779 | 1,629 | 1,466 | 1,330 | 1,199 | 1,360 | 1,848 | 1,666 | 1,275 | 1,101 | 708 | 612 | 516 |
| White: | 14,807 | 65.02% |
| Black: | 2,857 | 12.55% |
| Hispanic:* | 2,736 | 12.01% |
| Asian: | 919 | 4.04% |
| American Indian: | 116 | 0.51% |
| Hawaiian: | 47 | 0.21% |
| Other: | 1,290 | 5.66% |
| Total: | 22,772 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 11,195 | 49.98% | 39.7 years |
| Females: | 11,204 | 50.02% | 43.6 years |
| Total: | 22,399 | 100% | 41.5 years |
| Native, born in the United States: | 19,411 | 83.64% |
| Native, born in PR, Island Areas, or abroad: | 1,041 | 4.49% |
| Foreign born, naturalized U.S. citizen: | 944 | 4.07% |
| Foreign born, not a U.S. citizen: | 1,813 | 11.88% |
| Total Population: | 23,209 | 100% |
| Total Native Population: | 20,452 | 88.12% |
| Total Foreign-born Population: | 2,757 | 11.88% |
In 2023, the Median household income is $63,857, which is considerably lower than the national median ($78,538), is up $16,788 (35.7%) since 2011 and above its 2019 pre-pandemic level by $9,081. Family households earn a median of $82,304 versus $48,301 for nonfamily households (a difference of $34,003). By gender, male median income is $55,101 and female is $42,581, which is much lower than the national female median ($53,445), with a current gap of $12,520 that has widened from 2011 to 2023. The labor-force participation rate is 72.9%, which is considerably higher than the state rate (59.6%). The unemployment rate is 3.9%, which is better than the national rate (5.2%). The largest occupation group is Management (37.7%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $47,069 | $47,857 | $47,506 | $50,158 | $49,508 | $50,989 | $53,133 | $52,883 | $54,776 | $55,062 | $55,726 | $61,037 | $63,857 |
| Median Family Income | $56,801 | $56,235 | $56,158 | $56,534 | $55,938 | $57,090 | $61,419 | $58,629 | $69,804 | $72,845 | $70,969 | $79,363 | $82,304 |
| Median NonFamily Income | $33,761 | $35,131 | $35,389 | $36,129 | $35,258 | $36,463 | $36,270 | $37,059 | $39,483 | $37,543 | $39,316 | $44,698 | $48,301 |
| Median Male Income | $35,399 | $36,684 | $39,752 | $39,125 | $37,358 | $39,231 | $41,053 | $41,292 | $43,595 | $44,551 | $47,310 | $52,487 | $55,101 |
| Median Female Income | $32,046 | $31,802 | $32,436 | $32,304 | $32,189 | $32,365 | $32,665 | $32,797 | $35,112 | $36,190 | $36,411 | $39,835 | $42,581 |
| Employed: | 11,635 | 64.83% |
| Unemployed: | 506 | 2.82% |
| Not In Labor Force: | 5,806 | 32.35% |
| Total: | 17,947 | 100% |
| Management, business, science, and arts: | 4,382 | 37.66% |
| Service: | 2,991 | 25.71% |
| Sales and Office: | 1,857 | 15.96% |
| Natural resources, construction, and maintenance: | 1,240 | 10.66% |
| Production, transportation, and material moving: | 1,165 | 10.01% |
| Total Civilian Employed Population: | 11,635 | 100% |
In 2023, the median home value is $291,000, which is below the state median ($325,000), is up $120,900 (71.08%) since 2011 and above its 2019 pre-pandemic level by $109,000. The median gross rent is $1,281, which is well under the state median ($1,564), is up $344 (36.71%) since 2011 and above its 2019 pre-pandemic level by $259. Of occupied housing, owners make up 57.32% (53.19% with a mortgage, 46.81% free-and-clear) and renters 42.68% - making this ZIP Code less home ownership than the state and higher than national rental averages. The vacancy rate is 28.01%, which is markedly above the national rate (10.43%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $170,100 | $160,500 | $156,300 | $154,800 | $155,700 | $160,000 | $163,700 | $175,900 | $182,000 | $206,300 | $225,200 | $270,500 | $291,000 |
| Less than $500: | 130 | 3.01% |
| $500 to $999: | 719 | 16.67% |
| $1,000 to $1,499: | 2,128 | 49.33% |
| $1,500 to $1,999: | 916 | 21.23% |
| $2,000 to $2,499: | 202 | 4.68% |
| $2,500 to $2,999: | 77 | 1.78% |
| $3,000 or more: | 25 | 0.58% |
| No Rent: | 117 | 2.71% |
| Total: | 4,314 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $937 | $964 | $952 | $976 | $971 | $960 | $976 | $994 | $1,022 | $1,006 | $1,103 | $1,225 | $1,281 |
| Owner Occupied (with mortgage): | 3,082 | 30.49% |
| Owner Occupied (free and clear, no mortgage): | 2,712 | 26.83% |
| Renter Occupied: | 4,314 | 42.68% |
| Total Occupied Housing Units: | 10,108 | 100% |
| Occupied Housing Units: | 10,108 | 71.99% |
| Vacant Housing Units (not graphed): | 3,932 | 28.01% |
| Total Housing Units: | 14,040 | 100% |
| Single-Family Units: | 7,300 | 51.99% |
| Multi-Family Units: | 6,615 | 47.12% |
| Other Units: | 125 | 0.89% |
| Total Housing Units: | 14,040 | 100% |
In 2023, 30.90% of adults (25+) have a bachelor's degree or higher, which is falls below the national rate (35.00%). High school or higher is 90.90%, which is comparable to the national rate (89.40%). The uninsured rate is 16.90%, which is far higher than the national rate (8.60%). The share of people in poverty is 10.20%, which is comparable to the national rate (8.70%), up 4.20 percentage points since 2011 and below its 2019 pre-pandemic level by 0.60 percentage points. This signals a sharp increase in hardship - a shrinking consumer base, heavy pressure on public services, and job-market contraction risks. Among residents ages 3+, the largest enrollment group is elementary (39.27%). College enrollment is 20.77%, 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 AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 603 | 3.58% |
| 9th to 12th grade, no diploma: | 928 | 5.52% |
| High school graduate (includes equivalency): | 4,539 | 26.98% |
| Some college, no degree: | 4,059 | 24.12% |
| Associate's degree: | 1,494 | 8.88% |
| Bachelor's degree: | 3,369 | 20.02% |
| Graduate or professional degree: | 1,833 | 10.89% |
| Total: | 16,825 | 100% |
| High school or higher: | 15,294 | 90.90% |
| Bachelor's degree or higher: | 5,202 | 30.92% |
| Private Insurance: | 14,221 | 55.06% |
| Public Insurance: | 7,874 | 30.49% |
| No Insurance: | 3,732 | 14.45% |
| Total: | 25,827 | 100% |
| Has Health Insurance: | 22,095 | 85.55% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 6.0% | 7.6% | 9.1% | 11.6% | 13.1% | 14.6% | 13.5% | 14.0% | 10.8% | 11.3% | 12.8% | 11.6% | 10.2% |
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.
| Nursery School, Preschool: | 301 | 7.10% |
| Kindergarten: | 351 | 8.27% |
| Elementary school (grades 1-8): | 1,666 | 39.27% |
| High school (grades 9-12): | 1,043 | 24.59% |
| College or graduate school: | 881 | 20.77% |
| Total: | 4,242 | 100% |
| Early Childhood: | 652 | 15.37% |
| K-12 (Primary & Secondary School): | 3,060 | 72.14% |
ZIP Code 32548 supports both business and residential activity. According to the Business Census (2023), there are 994 business establishments, employing about 13,599 people with an annual payroll of $669,308,000. USPS data shows 12,462 residential mailboxes and 1,459 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 12,462Source: USPS |
| # Business Mailboxes: | 1,459Source: USPS |
| Total Delivery Receptacles: | 21,080Source: USPS |
| Single Family Delivery Units: | 6,236Source: USPS |
| Multi Family Delivery Units: | 2,290Source: USPS |
| # of Businesses: | 994Source: CBP |
| 1st Quarter Payroll: | $163,149,000Source: CBP |
| Annual Payroll: | $669,308,000Source: CBP |
| # of Employees: | 13,599Source: CBP |
ZIP Code 32548 is located in Okaloosa County, Florida, within the Crestview-Fort Walton Beach-Destin, FL Metropolitan Statistical Area (CBSA 18880) and Florida's 1st Congressional District. This Metro area has a population of 294,127 people, about 7.62% of whom live in ZIP Code 32548. It covers 12.067 sq mi of land and a water area of 6.707 sq mi.
| 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: | 12.067 sq miSource: Census |
| Water Area: | 6.707 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: | 1224475Source: Census |
| Place Name: | Fort Walton Beach city; FloridaSource: Census |
ZIP Code 32548 is in the Okaloosa County School District, which serves grades Pre-Kindergarten thru 12th. There are 10 public schools and 5 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on October 1, 2025.