Residential delivery area · Florida
ZIP Code 32541: Destin, FL
ZIP code 32541 is in Destin, Florida, entirely in Okaloosa County (Census 2020 ZIP-county file). About 19,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $95,124 (Census Bureau, ACS 2020-2024). By Census place, 61% of its land lies in Destin; 39% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Destin · its only residential ZIP
- County
- Okaloosa County
- Census places
- Destin
- Metro area
- Crestview-Fort Walton Beach-Destin, FL
- House district
- FL-1 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 12.3 sq mi · 1,527 people per sq mi
- PO Box ZIPs
- 32540 also use the name Destin
Where is ZIP code 32541?
32541 centers on 30.395°, -86.479° and covers 12.3 square miles of land plus 6.7 of water. It borders 2 ZIP codes: 32548, 32550.
The map draws ZIP code areas only. For the streets inside 32541, 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 32541 compare with the rest of Okaloosa County?
| Measure | 32541 | In Okaloosa County | In FL |
|---|---|---|---|
| People (ACS 2020-2024) | 18,855 | 6th of 14 | 520th of 1,013 |
| Median household income | $95k | 3rd of 12 | 176th of 819 |
| Median home value | $598k | 1st of 11 | 95th of 833 |
Its median household income is higher than in 78% of U.S. residential ZIP codes, and it is denser than 82% 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 32541?
The 2020 Census counted 18,419 people in 32541; the ACS, which samples households over 2020-2024, estimates 18,855. Between the 2010 and 2020 censuses its population grew 18.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 18,855
- 2020 Census count
- 18,419+18.3% since 2010 (15,565)
- Households
- 8,446
- Median age
- 42.6
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 32541?
Of the 18,855 people the ACS estimates in 32541, 19.5% are under 18 and 19.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.4%).
- Under 1819.5%
- 18 to 6461.5%
- 65 and older19.0%
- White, not Hispanic80.4%
- Hispanic or Latino7.0%
- Other or two or more6.9%
- Black, not Hispanic3.7%
- Asian, not Hispanic1.9%
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 32541 earn?
Median household income is $95,124 (ACS 2020-2024), the 3rd highest of the 12 ranked ZIP codes in Okaloosa County. It is not measurably different from 2015-2019 ($98,735 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $95,124
- Income per person
- $69,452
- Below the poverty line
- 6.7%
- Unemployed (of the labor force)
- 2.2%
- Adults 25+ with a bachelor's degree
- 47.8%
- Adjusted gross income per tax return, 2022
- $189,25510,250 returns; wages 34% 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 32541?
FHFA's house price index for 32541, built from repeat sales and appraisals of the same homes, rose 103% from 2015 to 2025 and rose 49% from 2020 to 2025, and moved +5.2% in 2025.
- Median home value (owners' estimate)
- $597,900
- Median gross rent
- $2,044
- Homes owned by their occupants
- 68.4%
- Housing units
- 16,496
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 32541?
1,447 business establishments had a location in this ZIP code in 2023, 188 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade244
- Real estate and rental and leasing192
- Professional, scientific, and technical services180
- Accommodation and food services174
- Construction120
- Other services (except public administration)111
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 32541?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32548 | Fort Walton Beach | 23,774 | $65k | 6.7 mi |
| 32550 | Miramar Beach | 8,486 | $101k | 8.0 mi |
| 32579 | Shalimar | 10,506 | $105k | 6.7 mi (near) |
| 32578 | Niceville | 34,738 | $109k | 8.0 mi (near) |
| 32580 | Valparaiso | 4,194 | $92k | 8.0 mi (near) |
| 32542 | Eglin Afb | 3,578 | $78k | 8.6 mi (near) |
| 32547 | Fort Walton Beach | 35,527 | $71k | 11.5 mi (near) |
| 32544 | Hurlburt Field | 2,256 | $48k | 14.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.
Which other ZIP codes use the name Destin?
1 more ZIP code carries the postal name Destin, FL without a residential delivery area: PO boxes at the post office, or a single organization with its own ZIP code. The Census Bureau publishes no figures for it.
| ZIP | County |
|---|---|
| 32540 | Okaloosa County |
Source: GeoNames postal codes (CC BY 4.0), downloaded 2026-10-09; a ZIP code with no Census ZCTA has no residential delivery area.