| ZIP Code | 32548 |
|---|---|
| City | Fort Walton Beach |
| State | Florida (FL) |
| County | Okaloosa County |
| Area Code | 448/850 |
| Elevation | 19 ft |
| Latitude | 30.413213 |
|---|---|
| Longitude | -86.589259 |
| Timezone | New York (DST) |
| FIPS | 12091 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.9 yrs ↓ 5% since 2019 |
|---|---|
| Avg Household Size | 2.26 |
| Below Poverty | 14.6% ▲ 46% above avg |
| College Grads | 41.4% ≈ Avg |
| Unemployment | 3.9% ▼ 21% below avg |
| No HS Diploma | 308 (2%) |
| HS Graduate | 3,950 (25.1%) |
| Some College | 2,564 (16.3%) |
| Associates | 2,406 (15.3%) |
| Bachelors | 1,494 (9.5%) |
| Graduate Degree | 5,030 (31.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $63,857 ▼ 16% below avg ↑ 17% since 2019 |
|---|---|
| Median Home Value | $291,000 ≈ Avg ↑ 60% since 2019 |
| Home/Income Ratio | 4.6x (nat avg ~3.5x) |
| Median Rent | $1,281/mo ↑ 25% since 2019 |
| Total Units | 14,040 |
| Vacant Units | 3,932 |
| Avg HH Size | 2.26 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 14,040 |
|---|---|
| Vacant | 3,932 |
| Owner Occupied | 57.3% |
| Renter Occupied | 42.7% |
| Avg HH Size | 2.26 |
ZIP code 32548 is located in Fort Walton Beach, Florida, within Okaloosa County. With a population of 23,209, this is a moderately populated ZIP code with a middle-aged community — the median age is 39.9 years. Economically, 32548 is a solidly middle-class ZIP code: the median household income of $63,857 is below the national average.
Real estate in ZIP code 32548 represents a mid-range housing market. The median home value of $291,000 is near the national average. Renters can expect to pay around $1,281 per month in median rent. The area has a relatively balanced mix of owners (57.3%) and renters (42.7%). Median home values have increased by 60% since 2019.
The population of 32548 is majority White (62.94%). Residents are well-educated — 41.4% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 14.6%. Household income has grown by 17% since 2019.
The unemployment rate in 32548 stands at 3.9%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 74%.
Overall, ZIP code 32548 in Fort Walton Beach, FL is characterized as solidly middle-class, well-educated, and a middle-aged community. With 23,209 residents, a median household income of $63,857, and a median home value of $291,000, it offers a clear picture of life in this part of Florida.