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 High-density area
- $108,972
- Median income Above-median income area
- $447,700
- Median home value Above-median home value
- 45.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32578 (Niceville, FL) rose +9.0% from 2023 to 2024. The all-transactions index moved from 304.0 in 2023 to 331.4 in 2024 (2000 = 100).
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 average Florida ZIP), while per-capita income is $53,107. The poverty rate is 8.1%, with unemployment at 3.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $447,700 (19% above the average Florida ZIP), while 78.9% of occupied homes are owner-occupied and median rent is $1,863.
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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Okaloosa County, so 32578 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 32578
Top 5 sectors by establishment count in Niceville, FL
Which industries have the most business establishments in ZIP 32578.
- Health care and social assistance
Health care and social assistance
145 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
107 establishments
- Retail trade
Retail trade
87 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
79 establishments
- Accommodation and food services
Accommodation and food services
79 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 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
Who lives in ZIP 32578?
43.1
Median Age
48.6%
Male
51.4%
Female
9.2%
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?
$108,972
Median Household Income
+41% vs state ZIP avg
$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
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
14,956housing units
14,956
Total Housing Units
13,668
Occupied Units
1,288
Vacant Units
2.53
Avg Household Size
Occupancy Type
$447,700
Median Home Value
+19% vs state ZIP avg
$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.
- 32578
Niceville (32578)
30,108 residents
- 32541
Destin (32541)
15,565 residents
- 32579 9,997
Shalimar (32579)
9,997 residents
- 32550 5,867
Miramar Beach (32550)
5,867 residents
- 32580 3,662
Valparaiso (32580)
3,662 residents
- 32542 3,457
Eglin Afb (32542)
3,457 residents
What this shows Among its immediate neighbors, ZIP 32578 ranks the most populous - useful context the national average alone can't give.
ZIP 32578 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32578
Niceville (32578)
$108,972 median income
- 32579
Shalimar (32579)
$104,510 median income
- 32550
Miramar Beach (32550)
$101,250 median income
- 32541
Destin (32541)
$95,124 median income
- 32580
Valparaiso (32580)
$91,645 median income
- 32542
Eglin Afb (32542)
$77,900 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32578, 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 (30,108 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 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.
Related
Take this with you
What to do with ZIP 32578's numbers, next.
- See how ZIP 32578 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Niceville, 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.