| ZIP Code | 32531 |
|---|---|
| City | Baker |
| State | Florida (FL) |
| County | Okaloosa County |
| Area Code | 448/850 |
| Elevation | 186 ft |
| Latitude | 30.898091 |
|---|---|
| Longitude | -86.693071 |
| Timezone | New York (DST) |
| FIPS | 12091 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 44.5 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 2.42 |
| Below Poverty | 8.5% ▼ 15% below avg |
| College Grads | 34.5% ▼ 11% below avg |
| Unemployment | 2.3% ▼ 52% below avg |
| HS Graduate | 1,695 (33.3%) |
| Some College | 762 (15%) |
| Associates | 871 (17.1%) |
| Bachelors | 539 (10.6%) |
| Graduate Degree | 1,217 (23.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $81,313 ≈ Avg ↑ 42% since 2019 |
|---|---|
| Median Home Value | $291,700 ≈ Avg ↑ 64% since 2019 |
| Home/Income Ratio | 3.6x (nat avg ~3.5x) |
| Median Rent | $888/mo ↓ 10% since 2019 |
| Total Units | 3,379 |
| Vacant Units | 310 |
| Avg HH Size | 2.42 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,379 |
|---|---|
| Vacant | 310 |
| Owner Occupied | 83.8% |
| Renter Occupied | 16.2% |
| Avg HH Size | 2.42 |
ZIP code 32531 is located in Baker, Florida, within Okaloosa County. With a population of 7,445, this is a lightly populated ZIP code with a middle-aged community — the median age is 44.5 years. Economically, 32531 is a middle-income ZIP code: the median household income of $81,313 is near the national average.
Real estate in ZIP code 32531 represents a mid-range housing market. The median home value of $291,700 is near the national average. Renters can expect to pay around $888 per month in median rent. Homeownership is strong here — 83.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 64% since 2019.
The population of 32531 is primarily White (88.80%). Residents are moderately educated — 34.5% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 8.5%. Household income has grown by 42% since 2019.
The unemployment rate in 32531 stands at 2.3%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 81%.
Overall, ZIP code 32531 in Baker, FL is characterized as middle-income, moderately educated, a middle-aged community, and predominantly owner-occupied. With 7,445 residents, a median household income of $81,313, and a median home value of $291,700, it offers a clear picture of life in this part of Florida.