Residential delivery area · Florida
ZIP Code 32531: Baker, FL
ZIP code 32531 uses the postal name Baker, Florida and lies mostly in Okaloosa County (88% of its land) with the rest in Santa Rosa County (Census 2020 ZIP-county file). About 7,300 people live there (Census Bureau, ACS 2020-2024). Median household income is $84,992 (Census Bureau, ACS 2020-2024). Its land lies outside any incorporated or census-designated place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Baker · its only residential ZIP
- County
- Okaloosa County (88%); Santa Rosa County (12%)
- Metro area
- Crestview-Fort Walton Beach-Destin, FL
- House district
- FL-1 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 228.3 sq mi · 32 people per sq mi
Where is ZIP code 32531?
32531 centers on 30.898°, -86.693° and covers 228.3 square miles of land plus 2.3 of water. It borders 5 ZIP codes: 36483, 32536, 32564, 32567, 32570.
The map draws ZIP code areas only. For the streets inside 32531, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 32531 compare with the rest of Okaloosa County?
| Measure | 32531 | In Okaloosa County | In FL |
|---|---|---|---|
| People (ACS 2020-2024) | 7,314 | 9th of 14 | 758th of 1,013 |
| Median household income | $85k | 5th of 12 | 263rd of 819 |
| Median home value | $321k | 8th of 11 | 481st of 833 |
Its median household income is higher than in 68% of U.S. residential ZIP codes, and it is denser than 34% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 32531?
The 2020 Census counted 6,532 people in 32531; the ACS, which samples households over 2020-2024, estimates 7,314. Between the 2010 and 2020 censuses its population grew 23.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 7,314
- 2020 Census count
- 6,532+23.3% since 2010 (5,296)
- Households
- 2,955
- Median age
- 41.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 32531?
Of the 7,314 people the ACS estimates in 32531, 23.8% are under 18 and 18.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.3%).
- Under 1823.8%
- 18 to 6457.3%
- 65 and older18.9%
- White, not Hispanic89.3%
- Other or two or more3.9%
- Black, not Hispanic3.5%
- Hispanic or Latino3.3%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 32531 earn?
Median household income is $84,992 (ACS 2020-2024), the 5th highest of the 12 ranked ZIP codes in Okaloosa County. It is not measurably different from 2015-2019 ($70,459 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $84,992±$8,962
- Income per person
- $43,310
- Below the poverty line
- 4.6%
- Unemployed (of the labor force)
- 2.9%
- Adults 25+ with a bachelor's degree
- 27.0%
- Adjusted gross income per tax return, 2022
- $77,1873,180 returns; wages 63% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 32531?
FHFA's house price index for 32531, built from repeat sales and appraisals of the same homes, rose 128% from 2015 to 2025 and rose 75% from 2020 to 2025, and moved +16.9% in 2025.
- Median home value (owners' estimate)
- $321,000
- Median gross rent
- $866
- Homes owned by their occupants
- 82.0%
- Housing units
- 3,257
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 32531?
87 business establishments had a location in this ZIP code in 2023, 19 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction21
- Retail trade13
- Administrative and support and waste management and remediation services12
- Professional, scientific, and technical services9
- Real estate and rental and leasing7
- Other services (except public administration)7
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 32531?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 36483 | Wing, AL | 555 | $54k | 10.4 mi |
| 32536 | Crestview | 25,599 | $78k | 11.7 mi |
| 32564 | Holt | 2,676 | $60k | 12.8 mi |
| 32567 | Laurel Hill | 5,609 | $77k | 15.6 mi |
| 32570 | Milton | 37,197 | $77k | 18.7 mi |
| 32539 | Crestview | 33,290 | $74k | 15.2 mi (near) |
| 36420 | Andalusia, AL | 10,463 | $49k | 21.0 mi (near) |
| 36455 | Lockhart, AL | 343 | $32k | 21.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.