Baker, FL · standard
ZIP Code 32531
Okaloosa County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,296
- 9/sq mi
- $84,992
- Median income
- $321,000
- Median home value
- 27.0%
- Bachelor's or higher
The verdict
Baker pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 32%
- household income, US ZIPs
- Top 30%
- home value, US ZIPs
- 9
- people per sq mi
- 82%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32531 against every reporting US ZIP.
ZIP code 32531 is a mid-sized community (a standard USPS delivery area) in Baker, Okaloosa County, Florida, home to 5,296 residents across 563.4 square miles, a density of 9 people per square mile, in the Chicago time zone.
ZIP 32531 lands in the middle-income range, with a median household income of $84,992 (10% above the Florida average), while per-capita income is $43,310. The poverty rate stands at 4.6% and the unemployment rate at 2.8%. Housing costs here run $321,000 for a typical home value (14% below the state average), with rent averaging $866 a month; 82.0% of homes are owner-occupied.
Educational attainment sits below the national norm: 27.0% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 39 minutes. Beyond these figures, 1 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Okaloosa County, letting you compare 32531 to its immediate surroundings rather than a national baseline alone.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 32531
Top 5 sectors by establishment count in Baker, FL
Which industries have the most business establishments in ZIP 32531.
- Construction
Construction
21 establishments
- Retail trade
Retail trade
13 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
12 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
9 establishments
- Real estate and rental and leasing 7
Real estate and rental and leasing
7 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32531, Baker, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
5,296
Population
563.4
Area (sq mi)
9
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 32531?
41.7
Median Age
50.5%
Male
49.5%
Female
1.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$84,992
Median Household Income
+10% vs state
$43,310
Per Capita Income
4.6%
Poverty Rate
2.8%
Unemployment Rate
39.0 min
Mean Commute Time
How ZIP 32531 ranks nationally
Baker, FL household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$84,992 Top 32% higher than 68% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
3,257
Total Housing Units
2,955
Occupied Units
302
Vacant Units
2.47
Avg Household Size
Occupancy Type
$321,000
Median Home Value
-14% vs state
$866
Median Rent
2000
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 87 business establishments in ZIP 32531, employing approximately 316 people with a combined annual payroll of $16,159,000.
87
Businesses
316
Employees
$16.2M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 21 | 24.1% |
| Retail trade | 13 | 14.9% |
| Administrative and support and waste management and remediation services | 12 | 13.8% |
| Professional, scientific, and technical services | 9 | 10.3% |
| Real estate and rental and leasing | 7 | 8.1% |
| Other services (except public administration) | 7 | 8.1% |
| Arts, entertainment, and recreation | 3 | 3.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 32531 vs 32536 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 32536 | Crestview, FL | 19,709 | 9.8 mi |
More ZIP Codes in Okaloosa County
Related Areas
Frequently Asked Questions
What county is ZIP code 32531 in? ▼
What is the population of ZIP code 32531? ▼
What is the median household income in ZIP 32531? ▼
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How many businesses are in ZIP code 32531? ▼
What are the main industries in ZIP code 32531? ▼
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What percentage of residents own vs. rent in ZIP 32531? ▼
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Read our methodology to see how this data is sourced, computed, and verified.