PlainZIP

Miramar Beach, FL · standard

ZIP Code 32550

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

5,867
337/sq mi
$101,250
Median income
$741,600
Median home value
52.2%
Bachelor's or higher

The verdict

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

Top 18%
household income, US ZIPs
Top 5%
home value, US ZIPs
337
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32550 against every reporting US ZIP.

ZIP code 32550 is classified by USPS as a standard delivery area and covers roughly 17.4 square miles in Miramar Beach, Walton County, Florida. The area is home to 5,867 residents, producing a population density of 337 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 32550 against Florida and the nation.

On the economic side, the median household income for ZIP 32550 sits at $101,250 (31% above the Florida average), while per-capita income is $86,845. The poverty rate stands at 4.8% and the unemployment rate at 1.8%. On housing, the median home value is $741,600 (98% above the state average) with median rent at $2,270 per month, and 81.8% of occupied units are owner-occupied, a direct signal of whether 32550 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 52.2% of adults hold a bachelor's degree or higher, the median age is 60.4, and the average commute is 23 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Walton County, so you can benchmark 32550 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 32550

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32550.

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 32550, Miramar Beach, 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

5,867

Population

17.4

Area (sq mi)

337

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 32550?

60.4

Median Age

47.1%

Male

52.9%

Female

8.6%

Foreign-Born

White 95.0%
African American 0.6%
Asian 0.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.7%
Hispanic or Latino 3.4%

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?

$101,250

Median Household Income

+31% vs state

$86,845

Per Capita Income

4.8%

Poverty Rate

1.8%

Unemployment Rate

23.0 min

Mean Commute Time

How ZIP 32550 ranks nationally

Household income vs. every US ZIP code

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

$101,250 Top 18% higher than 82% 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%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 71.1%
Bachelor's Degree or Higher 52.2%

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

What does housing look like?

15,531

Total Housing Units

4,298

Occupied Units

11,233

Vacant Units

1.93

Avg Household Size

Occupancy Type

Owner 81.8%
Renter 18.2%

$741,600

Median Home Value

+98% vs state

$2,270

Median Rent

1997

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

+6.1%

YoY Change (2023)

304

HPI Index (2000 = 100)

+204%

Total Change Since 2000

Home values in ZIP 32550 have increased 6.1% over the past year (2023). Since 2000, this ZIP has seen +204% cumulative appreciation.

Year Annual Change HPI Index
2019 +1.4% 204
2020 +3.0% 211
2021 +13.1% 238
2022 +20.6% 287
2023 +6.1% 304

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 2023. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 738 business establishments in ZIP 32550, employing approximately 9,079 people with a combined annual payroll of $451,901,000.

738

Businesses

9,079

Employees

$451.9M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 171 23.2%
Real estate and rental and leasing 122 16.5%
Accommodation and food services 112 15.2%
Professional, scientific, and technical services 58 7.9%
Construction 54 7.3%
Health care and social assistance 46 6.2%
Finance and insurance 42 5.7%
Other services (except public administration) 40 5.4%
Administrative and support and waste management and remediation services 29 3.9%
Wholesale trade 14 1.9%
Transportation and warehousing 14 1.9%
Arts, entertainment, and recreation 12 1.6%
Information 7 0.9%
Utilities 5 0.7%
Educational services 5 0.7%
Management of companies and enterprises 3 0.4%

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 32550 vs 32541 →

ZIP 32550 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 32550 ranks #3 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 32550 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 32550 ranks #2 of 3 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
32541 Destin, FL 15,565 7.5 mi
32578 Niceville, FL 30,108 10.7 mi

More ZIP Codes in Walton County

32433 standard
Defuniak Springs, FL
Pop: 16,025
32459 standard
Santa Rosa Beach, FL
Pop: 11,457
32439 standard
Freeport, FL
Pop: 7,715
32435 standard
Defuniak Springs, FL
Pop: 6,651
32455 standard
Ponce De Leon, FL
Pop: 4,736
32461 standard
Inlet Beach, FL
Pop: 13

Related Areas

Walton County Miramar Beach, FL Florida

Frequently Asked Questions

What county is ZIP code 32550 in? ▼
ZIP code 32550 (Miramar Beach) is located in Walton County, Florida. Walton County contains multiple ZIP codes, see the full list at /counties/walton-fl.
What is the population of ZIP code 32550? ▼
ZIP code 32550 in Miramar Beach, FL has a population of 5,867 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32550? ▼
The median household income in ZIP 32550 is $101,250, which is 33% above the national average of $76,288.
What is the average home value in ZIP 32550? ▼
The median home value in ZIP 32550 is $741,600, which is 167% above the national average of $278,155.
What is the demographic makeup of ZIP 32550? ▼
The largest racial group in ZIP 32550 is White at 95.0%. Hispanic or Latino residents make up 3.4% of the population.
How many businesses are in ZIP code 32550? ▼
ZIP code 32550 has 738 business establishments employing approximately 9,079 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32550? ▼
The top industries by establishment count in ZIP 32550 are: Retail trade (171), Real estate and rental and leasing (122), Accommodation and food services (112). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 32550? ▼
According to the FHFA House Price Index, home values in ZIP 32550 increased by 6.1% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 204%. 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 32550? ▼
In ZIP code 32550, 71.1% of residents aged 25+ have a high school diploma or higher, and 52.2% 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 32550? ▼
The mean commute time for workers in ZIP code 32550 is 23.0 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 32550? ▼
In ZIP code 32550, approximately 81.8% of occupied housing units are owner-occupied and 18.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32550? ▼
The poverty rate in ZIP code 32550 is 4.8% 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 Miramar Beach, 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.