PlainZIP

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
$70,711
Median income
$321,300
Median home value
27.5%
Bachelor's or higher

The verdict

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.

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 Florida average), while per-capita income is $37,655. Local economic indicators show a 13.3% poverty rate alongside 3.0% unemployment. The typical home here is valued at $321,300 (14% below the state average); renters pay a median of $1,611 monthly, and 56.9% of units 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. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Okaloosa County, so you can benchmark 32547 against its immediate geography rather than a national average alone.

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.

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 + 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

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 32547?

34.9

Median Age

50.4%

Male

49.6%

Female

17.8%

Foreign-Born

White 62.1%
African American 11.7%
Asian 3.5%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 16.6%
Hispanic or Latino 20.9%

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

$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

$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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 53.2%
Bachelor's Degree or Higher 27.5%

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

What does housing look like?

16,008

Total Housing Units

14,391

Occupied Units

1,617

Vacant Units

2.45

Avg Household Size

Occupancy Type

Owner 56.9%
Renter 43.1%

$321,300

Median Home Value

-14% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 32547 ranks the most populous - useful context the national average alone can't give.

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

ZIP 32547 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 32547 ranks #5 of 7 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
32544 Hurlburt Field, FL 1,818 3.4 mi
32548 Fort Walton Beach, FL 19,343 4.3 mi
32579 Shalimar, FL 9,997 5.7 mi
32569 Mary Esther, FL 11,235 5.8 mi
32580 Valparaiso, FL 3,662 8.7 mi
32542 Eglin Afb, FL 3,457 8.0 mi

More ZIP Codes in Okaloosa County

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
32541 standard
Destin, FL
Pop: 15,565
32569 standard
Mary Esther, FL
Pop: 11,235

Related Areas

Okaloosa County Fort Walton Beach, FL Florida

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.

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