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 Moderate-density area
- $74,369
- Median income Near-median income area
- $286,200
- Median home value Near-median home value
- 25.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32539 (Crestview, FL) fell -4.3% from 2023 to 2024. The all-transactions index moved from 297.8 in 2023 to 284.8 in 2024 (2000 = 100).
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 average Florida ZIP), while per-capita income is $35,829. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.0% and unemployment is 3.3%. Home values sit below the statewide ZIP benchmark: the median is $286,200 (24% below the average Florida ZIP), and median rent is $1,391; owner occupancy is 78.3%.
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. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Okaloosa County, so 32539 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 32539
Top 5 sectors by establishment count in Crestview, FL
Which industries have the most business establishments in ZIP 32539.
- Construction
Construction
62 establishments
- Health care and social assistance
Health care and social assistance
60 establishments
- Other services (except public administration)
Other services (except public administration)
34 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
32 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
26 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 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
Who lives in ZIP 32539?
35.7
Median Age
51.6%
Male
48.4%
Female
3.5%
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?
$74,369
Median Household Income
-4% vs state ZIP avg
$35,829
Per Capita Income
7.0%
Poverty Rate
3.3%
Unemployment Rate
32.1 min
Mean Commute Time
How ZIP 32539 ranks among Florida ZIPs
Crestview, 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)
$74,369 Top 46% higher than 54% 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
12,813housing units
12,813
Total Housing Units
11,835
Occupied Units
978
Vacant Units
2.64
Avg Household Size
Occupancy Type
$286,200
Median Home Value
-24% vs state ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32539, 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 (25,079 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 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.
Related
Take this with you
What to do with ZIP 32539's numbers, next.
- See how ZIP 32539 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Crestview, 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.