| ZIP Code | 32564 |
|---|---|
| City | Holt |
| State | Florida (FL) |
| County | Okaloosa County |
| Area Code | 448/850 |
| Elevation | 91 ft |
| Latitude | 30.728808 |
|---|---|
| Longitude | -86.781915 |
| Timezone | New York (DST) |
| FIPS | 12091 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 47.8 yrs ↑ 10% since 2019 |
|---|---|
| Avg Household Size | 2.28 |
| Below Poverty | 9.2% ▼ 8% below avg |
| College Grads | 27.5% ▼ 29% below avg |
| Unemployment | 2.0% ▼ 58% below avg |
| HS Graduate | 538 (38.4%) |
| Some College | 264 (18.8%) |
| Associates | 215 (15.3%) |
| Bachelors | 186 (13.3%) |
| Graduate Degree | 199 (14.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $68,170 ▼ 11% below avg ↓ 6% since 2019 |
|---|---|
| Median Home Value | $123,700 ▼ 56% below avg ↓ 27% since 2019 |
| Home/Income Ratio | 1.8x (nat avg ~3.5x) |
| Total Units | 892 |
| Vacant Units | 37 |
| Avg HH Size | 2.28 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 892 |
|---|---|
| Vacant | 37 |
| Owner Occupied | 78.4% |
| Renter Occupied | 21.6% |
| Avg HH Size | 2.28 |
ZIP code 32564 is located in Holt, Florida, within Okaloosa County. With a population of 1,958, this is a sparsely populated ZIP code with a mature community — the median age is 47.8 years. Economically, 32564 is a solidly middle-class ZIP code: the median household income of $68,170 is near the national average.
Real estate in ZIP code 32564 represents one of the more affordable housing markets in the country. The median home value of $123,700 is well below the national average. Homeownership is strong here — 78.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have decreased by 27% since 2019.
The population of 32564 is primarily White (88.56%). Residents are moderately educated — 27.5% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 9.2%. Household income has declined by 6% since 2019.
The unemployment rate in 32564 stands at 2.0%, which is well below the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 70%.
Overall, ZIP code 32564 in Holt, FL is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 1,958 residents, a median household income of $68,170, and a median home value of $123,700, it offers a clear picture of life in this part of Florida.