Residential delivery area · Florida
ZIP Code 32548: Fort Walton Beach, FL
ZIP code 32548 uses the postal name Fort Walton Beach, Florida and lies entirely in Okaloosa County (Census 2020 ZIP-county file). About 24,000 people live there (Census Bureau, ACS 2020-2024), the less populous of Fort Walton Beach's 2 residential ZIP codes. Median household income is $65,342 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Fort Walton Beach (48%) and Cinco Bayou (1%), and 5% in smaller places; 45% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Fort Walton Beach · 2 residential ZIPs
- County
- Okaloosa County
- Census places
- Fort Walton Beach (48%); Cinco Bayou (1%)
- Metro area
- Crestview-Fort Walton Beach-Destin, FL
- House district
- FL-1 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 12.1 sq mi · 1,968 people per sq mi
- PO Box ZIPs
- 32549 also use the name Fort Walton Beach
Where is ZIP code 32548?
32548 centers on 30.413°, -86.589° and covers 12.1 square miles of land plus 6.7 of water. It borders 5 ZIP codes: 32579, 32547, 32541, 32569, 32566.
The map draws ZIP code areas only. For the streets inside 32548, 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 32548 compare with the rest of Fort Walton Beach?
| Measure | 32548 | In Fort Walton Beach | In Okaloosa County | In FL |
|---|---|---|---|---|
| People (ACS 2020-2024) | 23,774 | 2nd of 2 | 5th of 14 | 424th of 1,013 |
| Median household income | $65k | 2nd of 2 | 12th of 12 | 544th of 819 |
| Median home value | $321k | 2nd of 2 | 7th of 11 | 480th of 833 |
Its median household income is higher than in 39% of U.S. residential ZIP codes, and it is denser than 84% 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 32548?
The 2020 Census counted 22,399 people in 32548; the ACS, which samples households over 2020-2024, estimates 23,774. Between the 2010 and 2020 censuses its population grew 15.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 23,774
- 2020 Census count
- 22,399+15.8% since 2010 (19,343)
- Households
- 10,333
- Median age
- 40.2
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 32548?
Of the 23,774 people the ACS estimates in 32548, 20.2% are under 18 and 19.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (61.4%), then Hispanic or Latino (14.3%).
- Under 1820.2%
- 18 to 6460.6%
- 65 and older19.2%
- White, not Hispanic61.4%
- Hispanic or Latino14.3%
- Black, not Hispanic12.2%
- Other or two or more7.1%
- Asian, not Hispanic5.0%
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 32548 earn?
Median household income is $65,342 (ACS 2020-2024), the 12th highest of the 12 ranked ZIP codes in Okaloosa County. It is not measurably different from 2015-2019 ($67,210 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $65,342
- Income per person
- $40,604
- Below the poverty line
- 15.1%
- Unemployed (of the labor force)
- 3.6%
- Adults 25+ with a bachelor's degree
- 33.0%
- Adjusted gross income per tax return, 2022
- $80,47611,110 returns; wages 52% 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 32548?
FHFA's house price index for 32548, built from repeat sales and appraisals of the same homes, rose 124% from 2015 to 2025 and rose 44% from 2020 to 2025, and moved +2.2% in 2025.
- Median home value (owners' estimate)
- $321,200
- Median gross rent
- $1,345
- Homes owned by their occupants
- 58.0%
- Housing units
- 14,293
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 32548?
994 business establishments had a location in this ZIP code in 2023, 43 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade170
- Accommodation and food services121
- Real estate and rental and leasing101
- Professional, scientific, and technical services99
- Other services (except public administration)88
- Health care and social assistance80
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 32548?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32579 | Shalimar | 10,506 | $105k | 2.4 mi |
| 32547 | Fort Walton Beach | 35,527 | $71k | 5.3 mi |
| 32541 | Destin | 18,855 | $95k | 6.7 mi |
| 32569 | Mary Esther | 12,063 | $78k | 8.3 mi |
| 32566 | Navarre | 43,883 | $106k | 18.1 mi |
| 32542 | Eglin Afb | 3,578 | $78k | 7.1 mi (near) |
| 32544 | Hurlburt Field | 2,256 | $48k | 7.8 mi (near) |
| 32580 | Valparaiso | 4,194 | $92k | 7.8 mi (near) |
| 32578 | Niceville | 34,738 | $109k | 10.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.