PlainZIP

Crestview, FL · standard

ZIP Code 32539

Okaloosa County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

25,079
80/sq mi
$74,369
Median income
$286,200
Median home value
25.2%
Bachelor's or higher

The verdict

Crestview pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 46%
household income, US ZIPs
Top 36%
home value, US ZIPs
80
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32539 against every reporting US ZIP.

ZIP code 32539 is a densely settled ZIP (a standard USPS delivery area) in Crestview, Okaloosa County, Florida, with 25,079 residents across 315.1 square miles, a density of 80 people per square mile, in the Chicago time zone.

ZIP 32539 lands in the middle-income range, with a median household income of $74,369 (4% below the Florida average), while per-capita income is $35,829. The poverty rate stands at 7.0% and the unemployment rate at 3.3%. Housing costs here run $286,200 for a typical home value (24% below the state average), with rent averaging $1,391 a month; 78.3% of homes are owner-occupied.

Educational attainment sits below the national norm: 25.2% of adults hold a bachelor's degree or higher, the median age is 35.7, and the average commute is 32 minutes. A geography-based comparison follows: 1 ZIP codes within about 10 miles of 32539, plus 6 more within Okaloosa County, give a clearer read than the national average 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 32539

Top 5 sectors by establishment count in Crestview, FL

Which industries have the most business establishments in ZIP 32539.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 32539, Crestview, 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

25,079

Population

315.1

Area (sq mi)

80

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32539?

35.7

Median Age

51.6%

Male

48.4%

Female

3.5%

Foreign-Born

White 75.0%
African American 12.4%
Asian 2.1%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 8.5%
Hispanic or Latino 5.5%

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?

$74,369

Median Household Income

-4% vs state

$35,829

Per Capita Income

7.0%

Poverty Rate

3.3%

Unemployment Rate

32.1 min

Mean Commute Time

How ZIP 32539 ranks nationally

Crestview, FL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$74,369 Top 46% higher than 54% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 52.2%
Bachelor's Degree or Higher 25.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,813

Total Housing Units

11,835

Occupied Units

978

Vacant Units

2.64

Avg Household Size

Occupancy Type

Owner 78.3%
Renter 21.7%

$286,200

Median Home Value

-24% vs state

$1,391

Median Rent

1999

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-4.3%

YoY Change (2024)

285

HPI Index (2000 = 100)

+185%

Total Change Since 2000

Home values in ZIP 32539 have decreased 4.3% over the past year (2024). Since 2000, this ZIP has seen +185% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.3% 192
2021 +19.3% 229
2022 +19.5% 273
2023 +8.9% 298
2024 -4.3% 285

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 311 business establishments in ZIP 32539, employing approximately 3,910 people with a combined annual payroll of $162,739,000.

311

Businesses

3,910

Employees

$162.7M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 62 19.9%
Health care and social assistance 60 19.3%
Other services (except public administration) 34 10.9%
Professional, scientific, and technical services 32 10.3%
Administrative and support and waste management and remediation services 26 8.4%
Retail trade 23 7.4%
Real estate and rental and leasing 17 5.5%
Transportation and warehousing 16 5.1%
Accommodation and food services 14 4.5%
Finance and insurance 9 2.9%
Manufacturing 8 2.6%
Wholesale trade 6 1.9%
Arts, entertainment, and recreation 3 1.0%

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 32539 vs 32536 →

ZIP Code City Population Distance
32536 Crestview, FL 19,709 7.7 mi

More ZIP Codes in Okaloosa County

32547 standard
Fort Walton Beach, FL
Pop: 32,485
32578 standard
Niceville, FL
Pop: 30,108
32536 standard
Crestview, FL
Pop: 19,709
32548 standard
Fort Walton Beach, FL
Pop: 19,343
32541 standard
Destin, FL
Pop: 15,565
32569 standard
Mary Esther, FL
Pop: 11,235

Related Areas

Okaloosa County Crestview, FL Florida

Frequently Asked Questions

What county is ZIP code 32539 in? ▼
ZIP code 32539 (Crestview) 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 32539? ▼
ZIP code 32539 in Crestview, FL has a population of 25,079 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32539? ▼
The median household income in ZIP 32539 is $74,369, which is 3% below the national average of $76,288.
What is the average home value in ZIP 32539? ▼
The median home value in ZIP 32539 is $286,200, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 32539? ▼
The largest racial group in ZIP 32539 is White at 75.0%. Hispanic or Latino residents make up 5.5% of the population.
How many businesses are in ZIP code 32539? ▼
ZIP code 32539 has 311 business establishments employing approximately 3,910 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32539? ▼
The top industries by establishment count in ZIP 32539 are: Construction (62), Health care and social assistance (60), Other services (except public administration) (34). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 32539? ▼
According to the FHFA House Price Index, home values in ZIP 32539 decreased by 4.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 185%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32539? ▼
In ZIP code 32539, 52.2% of residents aged 25+ have a high school diploma or higher, and 25.2% 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 32539? ▼
The mean commute time for workers in ZIP code 32539 is 32.1 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 32539? ▼
In ZIP code 32539, approximately 78.3% of occupied housing units are owner-occupied and 21.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32539? ▼
The poverty rate in ZIP code 32539 is 7.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.