Zip code 32531: Baker, Florida

Q: What city is zip code 32531?

32531 is assigned to Baker, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 32531 in?

32531 is mostly in Okaloosa County, but it extends into 1 other county.

Q: What is the population of 32531?

About 7,314 people live in 32531, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32531?

The median household income in 32531 is $84,992.

Q: What zip codes are near 32531?

The closest zip codes to 32531 are 36483, 32537, 32536, 32564, 32539.

Residential delivery areaOkaloosa CountyCentral Time

Population

7,314

Median household income

$85K

U.S. $81K

Median home value

$321K

U.S. $333K

Median rent

$866/mo

U.S. $1,413

Median age

41.7

U.S. 38.9

Land area

228 sq mi

32 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 32531

32531 is a rural zip code in Baker, Florida (Okaloosa County), covering 228 sq mi of land. About 7,314 people live here, or 32 per square mile. The median resident is 41.7 years old, compared with 38.9 nationally.

The median household earns $84,992 a year, close to the national median of $80,734. 4.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $321,000, or 3.8 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 82% of occupied homes are lived in by their owners, and renters pay a median of $866 a month.

27% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 39 minutes each way, and 4% of workers work from home. The most common jobs among working residents are in office and administrative support; management; and construction and repair.

How 32531 compares

Sorted from highest to lowest national percentile

Veterans22.1%
99th
U.S. 6.2% · FL 7.4%18th of 976 in FL
Government workers34.6%
99th
U.S. 14.5% · FL 11.7%18th of 973 in FL
Average commute39 min
96th
WeaknessU.S. 26.4 min · FL 28 min34th of 948 in FL
Homeownership rate82%
83rd
StrengthU.S. 65.2% · FL 67.6%303rd of 969 in FL
Self-employed workers12.1%
78th
U.S. 10% · FL 12.8%504th of 973 in FL
Median age41.7
70th
U.S. 38.9 · FL 42.6546th of 977 in FL
Housing vacancy9.3%
68th
U.S. 10.1% · FL 14.7%614th of 969 in FL
Residents 65 and older18.9%
67th
U.S. 17.2% · FL 21.3%552nd of 977 in FL
Residents under 1823.8%
65th
U.S. 22% · FL 19.5%188th of 977 in FL
Per capita income$43,310
59th
U.S. $44,673 · FL $42,609354th of 977 in FL
Median earnings per worker$50,435
57th
U.S. $49,666 · FL $44,337273rd of 961 in FL
Median household income$84,992
56th
U.S. $80,734 · FL $74,568292nd of 948 in FL
Median home value$321,000
47th
U.S. $332,700 · FL $359,000505th of 935 in FL
Uninsured rate6.2%
44th
U.S. 8.4% · FL 11.5%796th of 973 in FL
Bachelor's degree or higher27%
39th
U.S. 35.7% · FL 34.1%543rd of 975 in FL
Broadband access87.4%
21st
U.S. 91% · FL 91.6%748th of 969 in FL
Income inequality (Gini)0.398
20th
StrengthU.S. 0.483 · FL 0.485797th of 968 in FL
Healthcare workers7.3%
19th
U.S. 9.7% · FL 9.5%731st of 973 in FL
Rent-burdened renters41.1%
18th
StrengthU.S. 51.1% · FL 60.1%837th of 945 in FL
Unemployment rate2.9%
15th
StrengthU.S. 5.2% · FL 4.8%772nd of 973 in FL
Population7,314
12th
U.S. 334,922,499 · FL 22,416,077758th of 977 in FL
Diversity index19.8
12th
U.S. 61.4 · FL 64.7887th of 977 in FL
Median gross rent$866
11th
U.S. $1,413 · FL $1,669851st of 902 in FL
Poverty rate4.6%
10th
StrengthU.S. 12.5% · FL 12.6%899th of 970 in FL
Foreign-born residents1.1%
6th
U.S. 14.1% · FL 21.9%932nd of 977 in FL
Population density32/sq mi
4th
U.S. 95/sq mi · FL 418/sq mi920th of 977 in FL
Work from home3.7%
4th
U.S. 15.1% · FL 15.7%910th of 975 in FL
Tech workers0.3%
4th
U.S. 3.8% · FL 3.1%866th of 973 in FL

Measure	32531	Okaloosa	FL	U.S.	National percentile	Rank in FL
Veterans	22.1%	20.4%	7.4%	6.2%	99th	18th of 976
Government workers	34.6%	20.2%	11.7%	14.5%	99th	18th of 973
Average commuteWeakness	39 min	26.3 min	28 min	26.4 min	96th	34th of 948
Homeownership rateStrength	82%	68.4%	67.6%	65.2%	83rd	303rd of 969
Self-employed workers	12.1%	12.1%	12.8%	10%	78th	504th of 973
Median age	41.7	37.4	42.6	38.9	70th	546th of 977
Housing vacancy	9.3%	17.8%	14.7%	10.1%	68th	614th of 969
Residents 65 and older	18.9%	16.6%	21.3%	17.2%	67th	552nd of 977
Residents under 18	23.8%	22.6%	19.5%	22%	65th	188th of 977
Per capita income	$43,310	$44,070	$42,609	$44,673	59th	354th of 977
Median earnings per worker	$50,435	$43,743	$44,337	$49,666	57th	273rd of 961
Median household income	$84,992	$81,998	$74,568	$80,734	56th	292nd of 948
Median home value	$321,000	$351,200	$359,000	$332,700	47th	505th of 935
Uninsured rate	6.2%	11.8%	11.5%	8.4%	44th	796th of 973
Bachelor's degree or higher	27%	34.8%	34.1%	35.7%	39th	543rd of 975
Broadband access	87.4%	93.2%	91.6%	91%	21st	748th of 969
Income inequality (Gini)Strength	0.398	0.439	0.485	0.483	20th	797th of 968
Healthcare workers	7.3%	8.7%	9.5%	9.7%	19th	731st of 973
Rent-burdened rentersStrength	41.1%	55%	60.1%	51.1%	18th	837th of 945
Unemployment rateStrength	2.9%	3.8%	4.8%	5.2%	15th	772nd of 973
Population	7,314	216,599	22,416,077	334,922,499	12th	758th of 977
Diversity index	19.8	49.4	64.7	61.4	12th	887th of 977
Median gross rent	$866	$1,612	$1,669	$1,413	11th	851st of 902
Poverty rateStrength	4.6%	9.3%	12.6%	12.5%	10th	899th of 970
Foreign-born residents	1.1%	9.2%	21.9%	14.1%	6th	932nd of 977
Population density	32/sq mi	233/sq mi	418/sq mi	95/sq mi	4th	920th of 977
Work from home	3.7%	9.7%	15.7%	15.1%	4th	910th of 975
Tech workers	0.3%	3.8%	3.1%	3.8%	4th	866th of 973

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

19%

5–17

18–24

12%

25–34

13%

35–44

13%

45–54

14%

55–64

10%

65–74

75+

Median age

41.7

Under 18

23.8%

65 and over

18.9%

Race and ethnicity

White89%
Black3%
Hispanic3%
Asian0%
Native American0%
Pacific Islander0%
Other0.2%
Multiracial4%

Diversity index

19.8

U.S. 61.4

Foreign-born

1.1%

U.S. 14.1%

Born in state

50.7%

Language spoken at home (households)

English only

98%

Spanish

Other Indo-European

0.4%

Asian / Pacific

Other

Households

Households: 2,955
Average household size: 2.5
Family households: 71.8%
Married couples: 57.9%
Living alone: 26.2%
Veterans (of adults): 22.1%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

$25–50k

25%

$50–75k

12%

$75–100k

14%

$100–150k

17%

$150–200k

$200k+

18%

Median household income

32531

$84,992

Okaloosa Co.

$81,998

Florida

$74,568

United States

$80,734

Per capita income

$43,310

U.S. $44,673

Poverty rate

4.6%

U.S. 12.5%

Households earning $150K+

26.2%

U.S. 23%

Income inequality (Gini)

0.398

U.S. 0.483

Housing

Median home value

32531

$321,000

Okaloosa Co.

$351,200

Florida

$359,000

United States

$332,700

Median gross rent

32531

$866

Okaloosa Co.

$1,612

Florida

$1,669

United States

$1,413

Types of housing

Single-family

80%

2–4 units

0.3%

5–19 units

20+ units

Mobile home

18%

Boat, RV, van

Housing units: 3,257
Owner-occupied: 82%
Vacant: 9.3%
Median year built: 2000
Median rooms: 6.3
Renters paying 30%+ of income: 41.1%
Renters paying 50%+ of income: 8.6%
Home value to income: 3.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

83%

Carpooled

12%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

10–19

19%

20–29

12%

30–44

16%

45–59

25%

60+

21%

Average commute

39 min

U.S. 26.4 min

Unemployment

2.9%

U.S. 5.2%

In labor force

61.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

15%

Management

12%

Construction and repair

11%

Sales

Education

Police and fire

Healthcare

Engineering and science

Transportation and moving

Production

Cleaning and personal care

Business and finance

Food service

Arts, media and sports

Legal and social services

Farming, fishing and forestry

0.6%

Computer and math

0.3%

Industries

Public administration

15%

Professional and technical services

13%

Retail

11%

Transportation, warehousing and utilities

10%

Education

Construction

Health care and social assistance

Finance, insurance and real estate

Other services

Restaurants and hotels

Admin, support and management

Information

Manufacturing

Agriculture and mining

Arts and recreation

Wholesale

0.4%

Median earnings per worker

$50,435

U.S. $49,666

Self-employed

12.1%

U.S. 10%

Government workers

34.6%

U.S. 14.5%

Nonprofit workers

7.5%

U.S. 8.8%

Median earnings by type of work

Type of work	32531	U.S.
Management, business, science and arts	$62,484	$74,888
Service	$54,063	$26,804
Sales and office	$36,424	$40,476
Construction and maintenance	$42,679	$49,199
Production and transportation	$58,150	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

36%

Some college

24%

Associate's

11%

Bachelor's

13%

Graduate

14%

High school graduate or higher: 97.9%
Bachelor's degree or higher: 27%
Graduate or professional degree: 13.6%
Households with broadband: 87.4%
Cable, fiber or DSL: 53.6%
No internet access: 10.8%
Without health insurance: 6.2%
Limited-English households: 0.4%

Geography

City (USPS): Baker
State: Florida
County: Okaloosa County
Center point: 30.8981° N, 86.6931° W
Land area: 228 sq mi
Water area: 2.3 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

32531 spans 2 counties

Okaloosa County88% of land
Santa Rosa County12% of land

Zip codes near 32531

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
36483	Wing, AL	10 mi	555	$53,571	$135,000
32537	Milligan, FL · PO box	11 mi	—	—	—
32536	Crestview, FL	12 mi	25,599	$78,119	$305,800
32564	Holt, FL	13 mi	2,676	$59,875	$162,800
32539	Crestview, FL	15 mi	33,290	$74,369	$286,200
32567	Laurel Hill, FL	16 mi	5,609	$76,500	$289,800
32588	Niceville, FL · PO box	17 mi	—	—	—
32570	Milton, FL	19 mi	37,197	$77,222	$258,200
36420	Andalusia, AL	21 mi	10,463	$49,347	$167,800
36455	Lockhart, AL	22 mi	343	$32,125	$67,800
32538	Paxton, FL · PO box	23 mi	—	—	—
36442	Florala, AL	24 mi	3,560	$62,847	$117,700

Zip codes like 32531 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 32531

What city is zip code 32531?

32531 is assigned to Baker, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 32531 in?

32531 is mostly in Okaloosa County, but it extends into 1 other county.

What is the population of 32531?

About 7,314 people live in 32531, according to the Census Bureau's American Community Survey.

What time zone is 32531 in?

32531 is in Central Time.

What is the median household income in 32531?

The median household income in 32531 is $84,992.

What zip codes are near 32531?

The closest zip codes to 32531 are 36483, 32537, 32536, 32564, 32539.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32531, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.