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 Low-density area
- $84,992
- Median income Above-median income area
- $321,000
- Median home value Above-median home value
- 27.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Florida ZIP), while per-capita income is $43,310. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.6% and unemployment is 2.8%. Median home value is $321,000 (14% below the average Florida ZIP) and median rent is $866; 82.0% of occupied 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. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Okaloosa County, so 32531 can be compared with both its immediate and county-level context.
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 ZIP avg
$43,310
Per Capita Income
4.6%
Poverty Rate
2.8%
Unemployment Rate
39.0 min
Mean Commute Time
How ZIP 32531 ranks among Florida ZIPs
Baker, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$84,992 Top 31% higher than 69% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida 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?
Housing stock: occupied vs vacant
3,257housing units
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 ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32531, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (5,296 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Okaloosa County
Related Areas
Frequently Asked Questions
What county is ZIP code 32531 in?
ZIP code 32531 (Baker) is located in Okaloosa County, Florida. Okaloosa County contains multiple ZIP codes, see the full list at /counties/okaloosa-fl.
What is the population of ZIP code 32531?
ZIP code 32531 in Baker, FL has a population of 5,296 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32531?
The median household income in ZIP 32531 is $84,992, which is 11% above the national average of $76,288.
What is the average home value in ZIP 32531?
The median home value in ZIP 32531 is $321,000, which is 15% above the national average of $278,155.
What is the demographic makeup of ZIP 32531?
The largest racial group in ZIP 32531 is White at 91.2%. Hispanic or Latino residents make up 3.3% of the population.
How many businesses are in ZIP code 32531?
ZIP code 32531 has 87 business establishments employing approximately 316 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32531?
The top industries by establishment count in ZIP 32531 are: Construction (21), Retail trade (13), Administrative and support and waste management and remediation services (12). There are 7 industry sectors represented in total.
What is the education level in ZIP code 32531?
In ZIP code 32531, 63.1% of residents aged 25+ have a high school diploma or higher, and 27.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32531?
The mean commute time for workers in ZIP code 32531 is 39.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32531?
In ZIP code 32531, approximately 82.0% of occupied housing units are owner-occupied and 18.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32531?
The poverty rate in ZIP code 32531 is 4.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 32531's numbers, next.
- See how ZIP 32531 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Baker, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.