PlainZIP

Destin, FL · standard

ZIP Code 32541

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

15,565
517/sq mi
$95,124
Median income
$597,900
Median home value
47.8%
Bachelor's or higher

The verdict

Destin pairs an upper-quartile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 22%
household income, US ZIPs
Top 9%
home value, US ZIPs
517
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32541 against every reporting US ZIP.

ZIP code 32541 is classified by USPS as a standard delivery area and covers roughly 30.1 square miles in Destin, Okaloosa County, Florida. The area is home to 15,565 residents, producing a population density of 517 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32541 against Florida and the nation.

On the economic side, the median household income for ZIP 32541 sits at $95,124 (23% above the Florida average), while per-capita income is $69,452. The poverty rate stands at 6.7% and the unemployment rate at 2.1%. On housing, the median home value is $597,900 (59% above the state average) with median rent at $2,044 per month, and 68.4% of occupied units are owner-occupied, a direct signal of whether 32541 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 47.8% of adults hold a bachelor's degree or higher, the median age is 42.6, and the average commute is 25 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Okaloosa County, so you can benchmark 32541 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 32541

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32541.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32541, Destin, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

15,565

Population

30.1

Area (sq mi)

517

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 32541?

42.6

Median Age

51.9%

Male

48.1%

Female

13.5%

Foreign-Born

White 81.5%
African American 3.9%
Asian 2.0%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.3%
Hispanic or Latino 7.0%

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?

$95,124

Median Household Income

+23% vs state

$69,452

Per Capita Income

6.7%

Poverty Rate

2.1%

Unemployment Rate

25.4 min

Mean Commute Time

How ZIP 32541 ranks nationally

Household income vs. every US ZIP code

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

$95,124 Top 22% higher than 78% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 62.8%
Bachelor's Degree or Higher 47.8%

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

What does housing look like?

16,496

Total Housing Units

8,446

Occupied Units

8,050

Vacant Units

2.22

Avg Household Size

Occupancy Type

Owner 68.4%
Renter 31.6%

$597,900

Median Home Value

+59% vs state

$2,044

Median Rent

1995

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

+0.1%

YoY Change (2024)

315

HPI Index (2000 = 100)

+215%

Total Change Since 2000

Home values in ZIP 32541 have increased 0.1% over the past year (2024). Since 2000, this ZIP has seen +215% cumulative appreciation.

Year Annual Change HPI Index
2020 +7.4% 222
2021 +15.5% 257
2022 +15.0% 295
2023 +6.4% 314
2024 +0.1% 315

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 1,447 business establishments in ZIP 32541, employing approximately 13,823 people with a combined annual payroll of $618,400,000.

1,447

Businesses

13,823

Employees

$618.4M

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Retail trade 244 16.9%
Real estate and rental and leasing 192 13.3%
Professional, scientific, and technical services 180 12.4%
Accommodation and food services 174 12.0%
Construction 120 8.3%
Other services (except public administration) 111 7.7%
Health care and social assistance 102 7.0%
Finance and insurance 79 5.5%
Administrative and support and waste management and remediation services 75 5.2%
Transportation and warehousing 51 3.5%
Arts, entertainment, and recreation 39 2.7%
Wholesale trade 27 1.9%
Manufacturing 14 1.0%
Information 14 1.0%
Educational services 8 0.6%
Management of companies and enterprises 6 0.4%
Agriculture, forestry, fishing and hunting 5 0.3%
Utilities 4 0.3%

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 32541 vs 32578 →

ZIP 32541 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 32541 ranks #2 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32541 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 32541 ranks #4 of 5 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32578 Niceville, FL 30,108 7.9 mi
32550 Miramar Beach, FL 5,867 7.5 mi
32580 Valparaiso, FL 3,662 7.5 mi
32579 Shalimar, FL 9,997 7.2 mi

More ZIP Codes in Okaloosa County

32547 standard
Fort Walton Beach, FL
Pop: 32,485
32578 standard
Niceville, FL
Pop: 30,108
32539 standard
Crestview, FL
Pop: 25,079
32536 standard
Crestview, FL
Pop: 19,709
32548 standard
Fort Walton Beach, FL
Pop: 19,343
32569 standard
Mary Esther, FL
Pop: 11,235

Related Areas

Okaloosa County Destin, FL Florida

Frequently Asked Questions

What county is ZIP code 32541 in? ▼
ZIP code 32541 (Destin) 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 32541? ▼
ZIP code 32541 in Destin, FL has a population of 15,565 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32541? ▼
The median household income in ZIP 32541 is $95,124, which is 25% above the national average of $76,288.
What is the average home value in ZIP 32541? ▼
The median home value in ZIP 32541 is $597,900, which is 115% above the national average of $278,155.
What is the demographic makeup of ZIP 32541? ▼
The largest racial group in ZIP 32541 is White at 81.5%. Hispanic or Latino residents make up 7.0% of the population.
How many businesses are in ZIP code 32541? ▼
ZIP code 32541 has 1,447 business establishments employing approximately 13,823 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32541? ▼
The top industries by establishment count in ZIP 32541 are: Retail trade (244), Real estate and rental and leasing (192), Professional, scientific, and technical services (180). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 32541? ▼
According to the FHFA House Price Index, home values in ZIP 32541 increased by 0.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 215%. 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 32541? ▼
In ZIP code 32541, 62.8% of residents aged 25+ have a high school diploma or higher, and 47.8% 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 32541? ▼
The mean commute time for workers in ZIP code 32541 is 25.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32541? ▼
In ZIP code 32541, approximately 68.4% of occupied housing units are owner-occupied and 31.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32541? ▼
The poverty rate in ZIP code 32541 is 6.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Destin, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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