Zip code 32548: Fort Walton Beach, Florida

Q: What city is zip code 32548?

32548 is assigned to Fort Walton Beach, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 32548 in?

32548 is in Okaloosa County, Florida.

Q: What is the population of 32548?

About 23,774 people live in 32548, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32548?

The median household income in 32548 is $65,342.

Q: What zip codes are near 32548?

The closest zip codes to 32548 are 32549, 32579, 32547, 32540, 32541.

Residential delivery areaOkaloosa CountyCentral Time

Population

23,774

Median household income

$65K

U.S. $81K

Median home value

$321K

U.S. $333K

Median rent

$1,345/mo

U.S. $1,413

Median age

40.2

U.S. 38.9

Land area

12 sq mi

1,970 people/sq mi

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

About 32548

32548 is a suburban zip code in Fort Walton Beach, Florida (Okaloosa County), covering 12 sq mi of land. About 23,774 people live here, or 1,970 per square mile. The median resident is 40.2 years old, compared with 38.9 nationally.

The median household earns $65,342 a year, 19% below the national median of $80,734. 15.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $321,200, or 4.9 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 58% of occupied homes are lived in by their owners, and renters pay a median of $1,345 a month.

33% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 24.1 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in management, healthcare and sales.

How 32548 compares

Sorted from highest to lowest national percentile

Veterans16.2%
98th
U.S. 6.2% · FL 7.4%42nd of 976 in FL
Housing vacancy27.7%
97th
U.S. 10.1% · FL 14.7%131st of 969 in FL
Uninsured rate16.4%
91st
WeaknessU.S. 8.4% · FL 11.5%166th of 973 in FL
Self-employed workers13.6%
86th
U.S. 10% · FL 12.8%398th of 973 in FL
Poverty rate15.1%
70th
U.S. 12.5% · FL 12.6%296th of 970 in FL
Rent-burdened renters55.6%
69th
U.S. 51.1% · FL 60.1%563rd of 945 in FL
Residents 65 and older19.2%
69th
U.S. 17.2% · FL 21.3%543rd of 977 in FL
Tech workers4.1%
69th
U.S. 3.8% · FL 3.1%213th of 973 in FL
Diversity index58.2
68th
U.S. 61.4 · FL 64.7304th of 977 in FL
Healthcare workers10.4%
64th
U.S. 9.7% · FL 9.5%320th of 973 in FL
Median age40.2
59th
U.S. 38.9 · FL 42.6637th of 977 in FL
Foreign-born residents12.3%
58th
U.S. 14.1% · FL 21.9%452nd of 977 in FL
Population density1,970/sq mi
57th
U.S. 95/sq mi · FL 418/sq mi397th of 977 in FL
Income inequality (Gini)0.443
57th
U.S. 0.483 · FL 0.485500th of 968 in FL
Bachelor's degree or higher33%
52nd
U.S. 35.7% · FL 34.1%412th of 975 in FL
Per capita income$40,604
51st
U.S. $44,673 · FL $42,609413th of 977 in FL
Government workers13.6%
49th
U.S. 14.5% · FL 11.7%306th of 973 in FL
Median home value$321,200
47th
U.S. $332,700 · FL $359,000504th of 935 in FL
Median gross rent$1,345
46th
U.S. $1,413 · FL $1,669616th of 902 in FL
Population23,774
38th
U.S. 334,922,499 · FL 22,416,077424th of 977 in FL
Average commute24.1 min
37th
U.S. 26.4 min · FL 28 min715th of 948 in FL
Residents under 1820.2%
33rd
U.S. 22% · FL 19.5%405th of 977 in FL
Median household income$65,342
29th
U.S. $80,734 · FL $74,568599th of 948 in FL
Homeownership rate58%
29th
U.S. 65.2% · FL 67.6%763rd of 969 in FL
Unemployment rate3.6%
26th
U.S. 5.2% · FL 4.8%653rd of 973 in FL
Broadband access88.6%
26th
U.S. 91% · FL 91.6%699th of 969 in FL
Work from home8.2%
23rd
U.S. 15.1% · FL 15.7%785th of 975 in FL
Median earnings per worker$38,967
18th
WeaknessU.S. $49,666 · FL $44,337695th of 961 in FL

Measure	32548	Okaloosa	FL	U.S.	National percentile	Rank in FL
Veterans	16.2%	20.4%	7.4%	6.2%	98th	42nd of 976
Housing vacancy	27.7%	17.8%	14.7%	10.1%	97th	131st of 969
Uninsured rateWeakness	16.4%	11.8%	11.5%	8.4%	91st	166th of 973
Self-employed workers	13.6%	12.1%	12.8%	10%	86th	398th of 973
Poverty rate	15.1%	9.3%	12.6%	12.5%	70th	296th of 970
Rent-burdened renters	55.6%	55%	60.1%	51.1%	69th	563rd of 945
Residents 65 and older	19.2%	16.6%	21.3%	17.2%	69th	543rd of 977
Tech workers	4.1%	3.8%	3.1%	3.8%	69th	213th of 973
Diversity index	58.2	49.4	64.7	61.4	68th	304th of 977
Healthcare workers	10.4%	8.7%	9.5%	9.7%	64th	320th of 973
Median age	40.2	37.4	42.6	38.9	59th	637th of 977
Foreign-born residents	12.3%	9.2%	21.9%	14.1%	58th	452nd of 977
Population density	1,970/sq mi	233/sq mi	418/sq mi	95/sq mi	57th	397th of 977
Income inequality (Gini)	0.443	0.439	0.485	0.483	57th	500th of 968
Bachelor's degree or higher	33%	34.8%	34.1%	35.7%	52nd	412th of 975
Per capita income	$40,604	$44,070	$42,609	$44,673	51st	413th of 977
Government workers	13.6%	20.2%	11.7%	14.5%	49th	306th of 973
Median home value	$321,200	$351,200	$359,000	$332,700	47th	504th of 935
Median gross rent	$1,345	$1,612	$1,669	$1,413	46th	616th of 902
Population	23,774	216,599	22,416,077	334,922,499	38th	424th of 977
Average commute	24.1 min	26.3 min	28 min	26.4 min	37th	715th of 948
Residents under 18	20.2%	22.6%	19.5%	22%	33rd	405th of 977
Median household income	$65,342	$81,998	$74,568	$80,734	29th	599th of 948
Homeownership rate	58%	68.4%	67.6%	65.2%	29th	763rd of 969
Unemployment rate	3.6%	3.8%	4.8%	5.2%	26th	653rd of 973
Broadband access	88.6%	93.2%	91.6%	91%	26th	699th of 969
Work from home	8.2%	9.7%	15.7%	15.1%	23rd	785th of 975
Median earnings per workerWeakness	$38,967	$43,743	$44,337	$49,666	18th	695th of 961

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

14%

5–17

18–24

14%

25–34

16%

35–44

10%

45–54

14%

55–64

11%

65–74

75+

Median age

40.2

Under 18

20.2%

65 and over

19.2%

Race and ethnicity

White61%
Black12%
Hispanic14%
Asian5%
Native American0.2%
Pacific Islander0.6%
Other0.7%
Multiracial6%

Diversity index

58.2

U.S. 61.4

Foreign-born

12.3%

U.S. 14.1%

Born in state

31.6%

Language spoken at home (households)

English only

81%

Spanish

10%

Other Indo-European

Asian / Pacific

Other

0.8%

Households

Households: 10,333
Average household size: 2.3
Family households: 55.9%
Married couples: 39.8%
Living alone: 36.8%
Veterans (of adults): 16.2%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

21%

$50–75k

21%

$75–100k

15%

$100–150k

14%

$150–200k

$200k+

Median household income

32548

$65,342

Okaloosa Co.

$81,998

Florida

$74,568

United States

$80,734

Per capita income

$40,604

U.S. $44,673

Poverty rate

15.1%

U.S. 12.5%

Households earning $150K+

15.2%

U.S. 23%

Income inequality (Gini)

0.443

U.S. 0.483

Housing

Median home value

32548

$321,200

Okaloosa Co.

$351,200

Florida

$359,000

United States

$332,700

Median gross rent

32548

$1,345

Okaloosa Co.

$1,612

Florida

$1,669

United States

$1,413

Types of housing

Single-family

51%

2–4 units

5–19 units

15%

20+ units

26%

Mobile home

Boat, RV, van

0.5%

Housing units: 14,293
Owner-occupied: 58%
Vacant: 27.7%
Median year built: 1980
Median rooms: 4.7
Renters paying 30%+ of income: 55.6%
Renters paying 50%+ of income: 21.2%
Home value to income: 4.9× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

77%

Carpooled

11%

Transit

0.3%

Walked

Bicycle

0.4%

Worked from home

Other

Commute time (one way)

<10 min

20%

10–19

29%

20–29

21%

30–44

18%

45–59

60+

Average commute

24.1 min

U.S. 26.4 min

Unemployment

3.6%

U.S. 5.2%

In labor force

68.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

11%

Healthcare

10%

Sales

10%

Construction and repair

10%

Food service

Cleaning and personal care

Office and admin

Transportation and moving

Police and fire

Business and finance

Computer and math

Production

Engineering and science

Legal and social services

Education

Arts, media and sports

Farming, fishing and forestry

0.1%

Industries

Restaurants and hotels

14%

Health care and social assistance

12%

Retail

12%

Professional and technical services

Construction

Public administration

Other services

Finance, insurance and real estate

Manufacturing

Transportation, warehousing and utilities

Admin, support and management

Education

Arts and recreation

Wholesale

0.9%

Information

0.6%

Agriculture and mining

0.2%

Median earnings per worker

$38,967

U.S. $49,666

Self-employed

13.6%

U.S. 10%

Government workers

13.6%

U.S. 14.5%

Nonprofit workers

4.8%

U.S. 8.8%

Median earnings by type of work

Type of work	32548	U.S.
Management, business, science and arts	$60,599	$74,888
Service	$28,313	$26,804
Sales and office	$30,278	$40,476
Construction and maintenance	$37,123	$49,199
Production and transportation	$31,371	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

26%

Some college

24%

Associate's

Bachelor's

22%

Graduate

11%

High school graduate or higher: 91.1%
Bachelor's degree or higher: 33%
Graduate or professional degree: 10.7%
Households with broadband: 88.6%
Cable, fiber or DSL: 75.5%
No internet access: 5.8%
Without health insurance: 16.4%
Limited-English households: 4.7%

Geography

City (USPS): Fort Walton Beach
State: Florida
County: Okaloosa County
Center point: 30.4132° N, 86.5893° W
Land area: 12 sq mi
Water area: 6.7 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Fort Walton Beach48% of zip
Wright (unincorporated)5% of zip
Cinco Bayou1% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 32548

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32549	Fort Walton Beach, FL · PO box	1.9 mi	—	—	—
32579	Shalimar, FL	2.4 mi	10,506	$104,510	$444,300
32547	Fort Walton Beach, FL	5.3 mi	35,527	$70,711	$321,300
32540	Destin, FL · PO box	5.7 mi	—	—	—
32541	Destin, FL	6.7 mi	18,855	$95,124	$597,900
32542	Eglin Afb, FL	7.1 mi	3,578	$77,900	—
32544	Hurlburt Field, FL	7.8 mi	2,256	$47,865	—
32580	Valparaiso, FL	7.8 mi	4,194	$91,645	$394,700
32569	Mary Esther, FL	8.3 mi	12,063	$77,718	$326,000
32578	Niceville, FL	11 mi	34,738	$108,972	$447,700
32550	Miramar Beach, FL	15 mi	8,486	$101,250	$741,600
32588	Niceville, FL · PO box	17 mi	—	—	—

Zip codes like 32548 elsewhere

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

Questions about 32548

What city is zip code 32548?

32548 is assigned to Fort Walton Beach, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 32548 in?

32548 is in Okaloosa County, Florida.

What is the population of 32548?

About 23,774 people live in 32548, according to the Census Bureau's American Community Survey.

What time zone is 32548 in?

32548 is in Central Time.

What is the median household income in 32548?

The median household income in 32548 is $65,342.

What zip codes are near 32548?

The closest zip codes to 32548 are 32549, 32579, 32547, 32540, 32541.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32548, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.