| ZIP Code | 32541 |
|---|---|
| City | Destin |
| State | Florida (FL) |
| County | Okaloosa County |
| Area Code | 448/850 |
| Elevation | 8 ft |
| Latitude | 30.395159 |
|---|---|
| Longitude | -86.478784 |
| Timezone | New York (DST) |
| FIPS | 12091 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.4 yrs |
|---|---|
| Avg Household Size | 2.21 |
| Below Poverty | 7.1% ▼ 29% below avg |
| College Grads | 58.6% ▲ 51% above avg |
| Unemployment | 1.3% ▼ 74% below avg |
| No HS Diploma | 260 (1.9%) |
| HS Graduate | 2,095 (15.3%) |
| Some College | 1,539 (11.2%) |
| Associates | 1,768 (12.9%) |
| Bachelors | 1,512 (11.1%) |
| Graduate Degree | 6,508 (47.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $93,004 ▲ 22% above avg ↑ 16% since 2019 |
|---|---|
| Median Home Value | $498,600 ▲ 79% above avg ↑ 35% since 2019 |
| Home/Income Ratio | 5.4x (nat avg ~3.5x) |
| Median Rent | $1,976/mo ↑ 27% since 2019 |
| Total Units | 16,390 |
| Vacant Units | 8,024 |
| Avg HH Size | 2.21 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 16,390 |
|---|---|
| Vacant | 8,024 |
| Owner Occupied | 68.1% |
| Renter Occupied | 31.9% |
| Avg HH Size | 2.21 |
ZIP code 32541 is located in Destin, Florida, within Okaloosa County. With a population of 18,632, this is a moderately populated ZIP code with a middle-aged community — the median age is 42.4 years. Economically, 32541 is a middle-income ZIP code: the median household income of $93,004 is above the national average.
Real estate in ZIP code 32541 represents a premium housing market. The median home value of $498,600 is significantly above the national average. Renters can expect to pay around $1,976 per month in median rent. Homeownership is strong here — 68.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 35% since 2019.
The population of 32541 is primarily White (80.73%). Residents are well-educated — 58.6% hold a bachelor's degree or higher, which is significantly above the national average. Poverty affects a relatively small share of residents at 7.1%. Household income has grown by 16% since 2019.
The unemployment rate in 32541 stands at 1.3%, which is well below the national average. About 17% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 72%.
Overall, ZIP code 32541 in Destin, FL is characterized as middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 18,632 residents, a median household income of $93,004, and a median home value of $498,600, it offers a clear picture of life in this part of Florida.