Mary Esther, FL · standard
ZIP Code 32569
Okaloosa County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,235
- 1,073/sq mi High-density area
- $77,718
- Median income Near-median income area
- $326,000
- Median home value Above-median home value
- 38.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Mary Esther pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 41%
- household income, US ZIPs
- Top 30%
- home value, US ZIPs
- 1,073
- people per sq mi
- 71%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32569 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 32569 (Mary Esther, FL) rose +3.6% from 2023 to 2024. The all-transactions index moved from 300.6 in 2023 to 311.4 in 2024 (2000 = 100).
ZIP code 32569 is a mid-sized community (a standard USPS delivery area) in Mary Esther, Okaloosa County, Florida, home to 11,235 residents across 10.5 square miles, a density of 1,073 people per square mile, in the Chicago time zone.
ZIP 32569 lands in the middle-income range, with a median household income of $77,718 (1% above the average Florida ZIP), while per-capita income is $42,336. The poverty rate is 7.3%, with unemployment at 4.6%; those measures add context to the income figure. Median home value is $326,000 (13% below the average Florida ZIP) and median rent is $1,597; 70.7% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 38.2% of adults hold a bachelor's degree or higher, the median age is 36.8, and the average commute is 25 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Okaloosa County, so 32569 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 32569
Top 5 sectors by establishment count in Mary Esther, FL
Which industries have the most business establishments in ZIP 32569.
- Retail trade
Retail trade
47 establishments
- Accommodation and food services
Accommodation and food services
36 establishments
- Construction
Construction
27 establishments
- Health care and social assistance
Health care and social assistance
27 establishments
- Other services (except public administration)
Other services (except public administration)
24 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 32569, Mary Esther, 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
11,235
Population
10.5
Area (sq mi)
1,073
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 32569?
36.8
Median Age
51.8%
Male
48.2%
Female
5.9%
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?
$77,718
Median Household Income
+1% vs state ZIP avg
$42,336
Per Capita Income
7.3%
Poverty Rate
4.6%
Unemployment Rate
25.3 min
Mean Commute Time
How ZIP 32569 ranks among Florida ZIPs
Mary Esther, 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)
$77,718 Top 41% higher than 59% 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
5,723housing units
5,723
Total Housing Units
5,030
Occupied Units
693
Vacant Units
2.40
Avg Household Size
Occupancy Type
$326,000
Median Home Value
-13% vs state ZIP avg
$1,597
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
+3.6%
YoY Change (2024)
311
HPI Index (2000 = 100)
+211%
Total Change Since 2000
Home values in ZIP 32569 have increased 3.6% over the past year (2024). Since 2000, this ZIP has seen +211% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +9.8% | 215 |
| 2021 | +13.6% | 245 |
| 2022 | +17.2% | 287 |
| 2023 | +4.8% | 301 |
| 2024 | +3.6% | 311 |
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 260 business establishments in ZIP 32569, employing approximately 1,788 people with a combined annual payroll of $65,875,000.
260
Businesses
1,788
Employees
$65.9M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 47 | 18.1% |
| Accommodation and food services | 36 | 13.8% |
| Construction | 27 | 10.4% |
| Health care and social assistance | 27 | 10.4% |
| Other services (except public administration) | 24 | 9.2% |
| Professional, scientific, and technical services | 22 | 8.5% |
| Real estate and rental and leasing | 19 | 7.3% |
| Finance and insurance | 14 | 5.4% |
| Administrative and support and waste management and remediation services | 13 | 5.0% |
| Manufacturing | 7 | 2.7% |
| Information | 6 | 2.3% |
| Wholesale trade | 5 | 1.9% |
| Transportation and warehousing | 5 | 1.9% |
| Arts, entertainment, and recreation | 5 | 1.9% |
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 32569 vs 32544 →
ZIP 32569 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
- 32544 1,818
Hurlburt Field (32544)
1,818 residents
What this shows Among its immediate neighbors, ZIP 32569 ranks #3 by population - useful context the national average alone can't give.
ZIP 32569 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 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 32569 ranks the highest of 4 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 32569, 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 (11,235 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 32569 in?
ZIP code 32569 (Mary Esther) 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 32569?
ZIP code 32569 in Mary Esther, FL has a population of 11,235 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32569?
The median household income in ZIP 32569 is $77,718, which is 2% above the national average of $76,288.
What is the average home value in ZIP 32569?
The median home value in ZIP 32569 is $326,000, which is 17% above the national average of $278,155.
What is the demographic makeup of ZIP 32569?
The largest racial group in ZIP 32569 is White at 66.3%. Hispanic or Latino residents make up 9.5% of the population.
How many businesses are in ZIP code 32569?
ZIP code 32569 has 260 business establishments employing approximately 1,788 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32569?
The top industries by establishment count in ZIP 32569 are: Retail trade (47), Accommodation and food services (36), Construction (27). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 32569?
According to the FHFA House Price Index, home values in ZIP 32569 increased by 3.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 211%. 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 32569?
In ZIP code 32569, 61.9% of residents aged 25+ have a high school diploma or higher, and 38.2% 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 32569?
The mean commute time for workers in ZIP code 32569 is 25.3 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 32569?
In ZIP code 32569, approximately 70.7% of occupied housing units are owner-occupied and 29.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32569?
The poverty rate in ZIP code 32569 is 7.3% 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 32569's numbers, next.
- See how ZIP 32569 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Mary Esther, 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.