Fort Walton Beach, FL · standard
ZIP Code 32547
Okaloosa County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 32,485
- 359/sq mi High-density area
- $70,711
- Median income Near-median income area
- $321,300
- Median home value Above-median home value
- 27.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Fort Walton Beach pairs a below-median household income with above-median home values, in a low-density, mixed-tenure area.
- 48th pct
- household income, US ZIPs
- Top 30%
- home value, US ZIPs
- 359
- people per sq mi
- 57%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32547 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 32547 (Fort Walton Beach, FL) rose +8.2% from 2023 to 2024. The all-transactions index moved from 308.1 in 2023 to 333.4 in 2024 (2000 = 100).
ZIP code 32547 is a densely settled ZIP (a standard USPS delivery area) in Fort Walton Beach, Okaloosa County, Florida, with 32,485 residents across 90.5 square miles, a density of 359 people per square mile, in the Chicago time zone.
ZIP 32547 lands in the middle-income range, with a median household income of $70,711 (8% below the average Florida ZIP), while per-capita income is $37,655. The poverty rate is 13.3%, with unemployment at 3.0%; those measures add context to the income figure. Median home value is $321,300 (14% below the average Florida ZIP) and median rent is $1,611; 56.9% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 27.5% of adults hold a bachelor's degree or higher, the median age is 34.9, and the average commute is 24 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Okaloosa County, so 32547 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 32547
Top 5 sectors by establishment count in Fort Walton Beach, FL
Which industries have the most business establishments in ZIP 32547.
- Health care and social assistance
Health care and social assistance
161 establishments
- Construction
Construction
127 establishments
- Retail trade
Retail trade
116 establishments
- Other services (except public administration)
Other services (except public administration)
84 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
78 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 32547, Fort Walton Beach, 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
32,485
Population
90.5
Area (sq mi)
359
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 32547?
34.9
Median Age
50.4%
Male
49.6%
Female
17.8%
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?
$70,711
Median Household Income
-8% vs state ZIP avg
$37,655
Per Capita Income
13.3%
Poverty Rate
3.0%
Unemployment Rate
23.6 min
Mean Commute Time
How ZIP 32547 ranks nationally
Fort Walton Beach, FL household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$70,711 48th percentile higher than 48% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
16,008housing units
16,008
Total Housing Units
14,391
Occupied Units
1,617
Vacant Units
2.45
Avg Household Size
Occupancy Type
$321,300
Median Home Value
-14% vs state ZIP avg
$1,611
Median Rent
1985
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
+8.2%
YoY Change (2024)
333
HPI Index (2000 = 100)
+233%
Total Change Since 2000
Home values in ZIP 32547 have increased 8.2% over the past year (2024). Since 2000, this ZIP has seen +233% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.0% | 221 |
| 2021 | +15.3% | 255 |
| 2022 | +21.5% | 310 |
| 2023 | -0.5% | 308 |
| 2024 | +8.2% | 333 |
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 855 business establishments in ZIP 32547, employing approximately 10,208 people with a combined annual payroll of $535,995,000.
855
Businesses
10,208
Employees
$536.0M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 161 | 18.8% |
| Construction | 127 | 14.8% |
| Retail trade | 116 | 13.6% |
| Other services (except public administration) | 84 | 9.8% |
| Professional, scientific, and technical services | 78 | 9.1% |
| Administrative and support and waste management and remediation services | 70 | 8.2% |
| Accommodation and food services | 60 | 7.0% |
| Real estate and rental and leasing | 54 | 6.3% |
| Finance and insurance | 33 | 3.9% |
| Wholesale trade | 17 | 2.0% |
| Transportation and warehousing | 14 | 1.6% |
| Manufacturing | 13 | 1.5% |
| Arts, entertainment, and recreation | 13 | 1.5% |
| Educational services | 8 | 0.9% |
| Information | 3 | 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 32547 vs 32544 →
ZIP 32547 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32547
Fort Walton Beach (32547)
32,485 residents
- 32548
Fort Walton Beach (32548)
19,343 residents
- 32569 11,235
Mary Esther (32569)
11,235 residents
- 32579 9,997
Shalimar (32579)
9,997 residents
- 32580 3,662
Valparaiso (32580)
3,662 residents
- 32542 3,457
Eglin Afb (32542)
3,457 residents
- 32544 1,818
Hurlburt Field (32544)
1,818 residents
What this shows Among its immediate neighbors, ZIP 32547 ranks the most populous - useful context the national average alone can't give.
ZIP 32547 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32579
Shalimar (32579)
$104,510 median income
- 32580
Valparaiso (32580)
$91,645 median income
- 32542
Eglin Afb (32542)
$77,900 median income
- 32569
Mary Esther (32569)
$77,718 median income
- 32547
Fort Walton Beach (32547)
$70,711 median income
- 32548
Fort Walton Beach (32548)
$65,342 median income
- 32544
Hurlburt Field (32544)
$47,865 median income
What this shows By household income, ZIP 32547 ranks #5 of 7 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 32547, 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 (32,485 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 32547 in?
ZIP code 32547 (Fort Walton Beach) 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 32547?
ZIP code 32547 in Fort Walton Beach, FL has a population of 32,485 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32547?
The median household income in ZIP 32547 is $70,711, which is 7% below the national average of $76,288.
What is the average home value in ZIP 32547?
The median home value in ZIP 32547 is $321,300, which is 16% above the national average of $278,155.
What is the demographic makeup of ZIP 32547?
The largest racial group in ZIP 32547 is White at 62.1%. Hispanic or Latino residents make up 20.9% of the population.
How many businesses are in ZIP code 32547?
ZIP code 32547 has 855 business establishments employing approximately 10,208 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32547?
The top industries by establishment count in ZIP 32547 are: Health care and social assistance (161), Construction (127), Retail trade (116). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 32547?
According to the FHFA House Price Index, home values in ZIP 32547 increased by 8.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 233%. 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 32547?
In ZIP code 32547, 53.2% of residents aged 25+ have a high school diploma or higher, and 27.5% 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 32547?
The mean commute time for workers in ZIP code 32547 is 23.6 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 32547?
In ZIP code 32547, approximately 56.9% of occupied housing units are owner-occupied and 43.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32547?
The poverty rate in ZIP code 32547 is 13.3% 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 32547's numbers, next.
- See how ZIP 32547 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Fort Walton Beach, 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.