PlainZIP

Niceville, FL · standard

ZIP Code 32578

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

30,108
483/sq mi
$108,972
Median income
$447,700
Median home value
45.5%
Bachelor's or higher

The verdict

Niceville pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 14%
household income, US ZIPs
Top 16%
home value, US ZIPs
483
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32578 against every reporting US ZIP.

ZIP code 32578 is a densely settled ZIP (a standard USPS delivery area) in Niceville, Okaloosa County, Florida, with 30,108 residents across 62.3 square miles, a density of 483 people per square mile, in the Chicago time zone.

ZIP 32578 lands in the middle-income range, with a median household income of $108,972 (41% above the Florida average), while per-capita income is $53,107. Poverty here runs at 8.1%, with unemployment measured at 3.4%. The typical home here is valued at $447,700 (19% above the state average); renters pay a median of $1,863 monthly, and 78.9% of units are owner-occupied.

A solid share of residents have a four-year degree: 45.5% of adults hold a bachelor's degree or higher, the median age is 43.1, and the average commute is 25 minutes. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 32578, plus 6 more within Okaloosa County, give a clearer read than the 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 32578

Top 5 sectors by establishment count in Niceville, FL

Which industries have the most business establishments in ZIP 32578.

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 32578, Niceville, 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

30,108

Population

62.3

Area (sq mi)

483

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 32578?

43.1

Median Age

48.6%

Male

51.4%

Female

9.2%

Foreign-Born

White 79.8%
African American 3.5%
Asian 4.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.4%
Hispanic or Latino 6.9%

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?

$108,972

Median Household Income

+41% vs state

$53,107

Per Capita Income

8.1%

Poverty Rate

3.4%

Unemployment Rate

25.4 min

Mean Commute Time

How ZIP 32578 ranks nationally

Niceville, FL household income vs. every US ZIP code

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

$108,972 Top 14% higher than 86% 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 66.0%
Bachelor's Degree or Higher 45.5%

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

What does housing look like?

14,956

Total Housing Units

13,668

Occupied Units

1,288

Vacant Units

2.53

Avg Household Size

Occupancy Type

Owner 78.9%
Renter 21.1%

$447,700

Median Home Value

+19% vs state

$1,863

Median Rent

1989

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

+9.0%

YoY Change (2024)

331

HPI Index (2000 = 100)

+231%

Total Change Since 2000

Home values in ZIP 32578 have increased 9.0% over the past year (2024). Since 2000, this ZIP has seen +231% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.8% 227
2021 +13.6% 258
2022 +13.0% 291
2023 +4.4% 304
2024 +9.0% 331

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 811 business establishments in ZIP 32578, employing approximately 7,441 people with a combined annual payroll of $346,338,000.

811

Businesses

7,441

Employees

$346.3M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 145 17.9%
Professional, scientific, and technical services 107 13.2%
Retail trade 87 10.7%
Real estate and rental and leasing 79 9.7%
Accommodation and food services 79 9.7%
Construction 78 9.6%
Other services (except public administration) 75 9.3%
Finance and insurance 46 5.7%
Administrative and support and waste management and remediation services 41 5.1%
Arts, entertainment, and recreation 16 2.0%
Transportation and warehousing 15 1.9%
Wholesale trade 11 1.4%
Educational services 10 1.2%
Information 9 1.1%
Manufacturing 6 0.7%
Utilities 4 0.5%

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 32578 vs 32580 →

ZIP 32578 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 32578 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 32578 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 32578 ranks the highest of 6 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
32580 Valparaiso, FL 3,662 4.4 mi
32541 Destin, FL 15,565 7.9 mi
32542 Eglin Afb, FL 3,457 7.8 mi
32579 Shalimar, FL 9,997 8.4 mi
32550 Miramar Beach, FL 5,867 10.7 mi

More ZIP Codes in Okaloosa County

32547 standard
Fort Walton Beach, FL
Pop: 32,485
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 Niceville, FL Florida

Frequently Asked Questions

What county is ZIP code 32578 in? ▼
ZIP code 32578 (Niceville) 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 32578? ▼
ZIP code 32578 in Niceville, FL has a population of 30,108 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32578? ▼
The median household income in ZIP 32578 is $108,972, which is 43% above the national average of $76,288.
What is the average home value in ZIP 32578? ▼
The median home value in ZIP 32578 is $447,700, which is 61% above the national average of $278,155.
What is the demographic makeup of ZIP 32578? ▼
The largest racial group in ZIP 32578 is White at 79.8%. Hispanic or Latino residents make up 6.9% of the population.
How many businesses are in ZIP code 32578? ▼
ZIP code 32578 has 811 business establishments employing approximately 7,441 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32578? ▼
The top industries by establishment count in ZIP 32578 are: Health care and social assistance (145), Professional, scientific, and technical services (107), Retail trade (87). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 32578? ▼
According to the FHFA House Price Index, home values in ZIP 32578 increased by 9.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 231%. 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 32578? ▼
In ZIP code 32578, 66.0% of residents aged 25+ have a high school diploma or higher, and 45.5% 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 32578? ▼
The mean commute time for workers in ZIP code 32578 is 25.4 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 32578? ▼
In ZIP code 32578, approximately 78.9% of occupied housing units are owner-occupied and 21.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32578? ▼
The poverty rate in ZIP code 32578 is 8.1% 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.