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 High-density area
- $95,124
- Median income Above-median income area
- $597,900
- Median home value Above-median home value
- 47.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 a mid-sized community (a standard USPS delivery area) in Destin, Okaloosa County, Florida, home to 15,565 residents across 30.1 square miles, a density of 517 people per square mile, in the Chicago time zone.
ZIP 32541 lands in the middle-income range, with a median household income of $95,124 (23% above the average Florida ZIP), while per-capita income is $69,452. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.7% and unemployment is 2.1%. Housing is both higher-cost and owner-heavy: median home value is $597,900 (59% above the average Florida ZIP), while 68.4% of occupied homes are owner-occupied and median rent is $2,044.
A solid share of residents have a four-year degree: 47.8% of adults hold a bachelor's degree or higher, the median age is 42.6, and the average commute is 25 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Okaloosa County, so 32541 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 32541
Top 5 sectors by establishment count in Destin, FL
Which industries have the most business establishments in ZIP 32541.
- Retail trade
Retail trade
244 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
192 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
180 establishments
- Accommodation and food services
Accommodation and food services
174 establishments
- Construction
Construction
120 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 32541, Destin, 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
15,565
Population
30.1
Area (sq mi)
517
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 32541?
42.6
Median Age
51.9%
Male
48.1%
Female
13.5%
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?
$95,124
Median Household Income
+23% vs state ZIP avg
$69,452
Per Capita Income
6.7%
Poverty Rate
2.1%
Unemployment Rate
25.4 min
Mean Commute Time
How ZIP 32541 ranks among Florida ZIPs
Destin, 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)
$95,124 Top 21% higher than 79% 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
16,496housing units
16,496
Total Housing Units
8,446
Occupied Units
8,050
Vacant Units
2.22
Avg Household Size
Occupancy Type
$597,900
Median Home Value
+59% vs state ZIP avg
$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.
- 32578
Niceville (32578)
30,108 residents
- 32541
Destin (32541)
15,565 residents
- 32579 9,997
Shalimar (32579)
9,997 residents
- 32550 5,867
Miramar Beach (32550)
5,867 residents
- 32580 3,662
Valparaiso (32580)
3,662 residents
What this shows Among its immediate neighbors, ZIP 32541 ranks #2 by population - useful context the national average alone can't give.
ZIP 32541 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32578
Niceville (32578)
$108,972 median income
- 32579
Shalimar (32579)
$104,510 median income
- 32550
Miramar Beach (32550)
$101,250 median income
- 32541
Destin (32541)
$95,124 median income
- 32580
Valparaiso (32580)
$91,645 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32541, 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 (15,565 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 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.
Related
Take this with you
What to do with ZIP 32541's numbers, next.
- See how ZIP 32541 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Destin, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.