32435 ZIP Code — Defuniak Springs, FL

Walton County, Florida

ZIP code 32435 is located in Defuniak Springs, Florida, within Walton County. It covers approximately 136.74 square miles and serves a population of 6,525 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32435

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $168,800. Owner-occupancy is high at 81%, well above the national average.

Median household income is $68,208. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks. 16% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 19% of civilians, above the national average of 7%.

Overall, ZIP code 32435 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

6,525

population

136.74

sq mi land

Standard

ZIP type

Central (CT)

timezone

32435 ZIP code map

Cities in ZIP code 32435

Below are the cities the US Postal Service accepts for ZIP code 32435. Using any city not on this list may result in mail delivery delays.

City	Status
Defuniak Springs	Acceptable
Defuniak Springs	Preferred

Nearby ZIP codes

32439 Freeport (9.4 mi) 32455 Ponce De Leon (12.7 mi) 32433 Defuniak Springs (13.5 mi) 32578 Niceville (14.9 mi) 32459 Santa Rosa Beach (18.7 mi) 32539 Crestview (19.3 mi) 32464 Westville (19.4 mi) 32550 Miramar Beach (19.4 mi)

Demographics updated 06/2026

Population
Total population	6,525
Population density	48 / sq mi
State FIPS	12
County FIPS	131

Geography
Land area	136.74 sq mi
Water area	0.62 sq mi
Latitude	30.6319
Longitude	-86.1824
Timezone	Central (CT)
Area code	850

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	37.8%	43.4%
$50k – $100k	27.8%	33.0%	30.8%
$100k – $200k	15.5%	22.7%	19.3%
Over $200k	2.1%	6.5%	6.4%

Demographics & statistics

6,525

Population

People per sq mi

42.3

Median age

$68,208

Median household income

$30,257

Per capita income

$168,800

Median home value

$823

Median monthly rent

80.8%

Home ownership

16.4%

Poverty rate

7.1%

Unemployment

2,505

Housing units

25.9%

Bachelor's or higher

Age distribution

Male Female

128

Under 5

133

284

5–9

296

180

10–14

187

176

15–19

184

169

20–24

177

413

25–34

431

324

35–44

339

485

45–54

506

197

55–59

205

182

60–64

189

397

65–74

414

164

75–84

172

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,340	20.5%
18 and over	5,185	79.5%
65 and over	1,340	20.5%
Median age	42.3 years

Race & ethnicity

White 81.8%

Black or African American 5.9%

Two or more races 5.4%

Hispanic or Latino 4.2%

Other race 2.3%

American Indian / Alaska Native 0.4%

Group	Count	%
White	5,576	81.8%
Black or African American	399	5.9%
Two or more races	368	5.4%
Hispanic or Latino	289	4.2%
Other race	157	2.3%
American Indian / Alaska Native	25	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	37.8%	43.4%
$50k – $100k	27.8%	33.0%	30.8%
$100k – $200k	15.5%	22.7%	19.3%
Over $200k	2.1%	6.5%	6.4%

Under $10k 2.7%

$10k–$15k 4.5%

$15k–$25k 10.2%

$25k–$35k 10.9%

$35k–$50k 12.9%

$50k–$75k 15.2%

$75k–$100k 16.8%

$100k–$150k 19.2%

$150k–$200k 5.6%

$200k+ 2.0%

Range	% of households
Under $10k	2.7%
$10k–$15k	4.5%
$15k–$25k	10.2%
$25k–$35k	10.9%
$35k–$50k	12.9%
$50k–$75k	15.2%
$75k–$100k	16.8%
$100k–$150k	19.2%
$150k–$200k	5.6%
$200k+	2.0%
Median income	$68,208

Housing

Home values

Under $50k 9.2%

$50k–$100k 13.6%

$100k–$150k 14.6%

$150k–$200k 19.6%

$200k–$300k 18.5%

$300k–$500k 17.4%

$500k–$1M 4.9%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$168,800
Median rent / month	$823
Owner occupied	80.8%
Renter occupied	19.2%
Vacant	13.6%
Single-family detached	73.5%
Large apartment buildings	0.0%
Mobile homes	20.7%
Median rooms	5.6
Avg household size (owned)	2.34

Year built

Era	%
2020 or later	0.9%
2010–2019	4.8%
2000–2009	16.2%
1990–1999	19.0%
1980–1989	13.8%
1970–1979	13.7%
1960–1969	11.5%
1950–1959	7.4%
1940–1949	4.8%
1939 or earlier	7.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.8%
2 bedrooms	18.8%
3 bedrooms	55.8%
4 bedrooms	16.8%
5+ bedrooms	2.8%

Vehicles per household

Vehicles	% of households
No vehicle	5.2%
1 vehicle	24.9%
2 vehicles	44.7%
3 or more	25.2%

Heating fuel

Fuel type	%
Utility gas	8.4%
Electricity	82.7%
Propane / LP gas	8.2%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	1,104	42.5%
Cohabiting couple	319	12.3%
Male householder, no spouse	474	18.3%
Female householder, no spouse	698	26.9%
Households with children under 18	873	33.6%
Households with seniors (65+)	932	35.9%
Average household size	2.42

Marital status

Status	Male	Female
Never married	30.2%	20.2%
Married	45.3%	44.7%
Separated	2.5%	1.3%
Widowed	10.5%	14.8%
Divorced	11.5%	18.9%

Education

Less than 9th grade 4.0%

Some HS, no diploma 5.2%

HS graduate 34.6%

Some college, no degree 21.9%

Associate's degree 8.4%

Bachelor's degree 17.2%

Graduate / professional 8.8%

Metric	%
HS diploma or higher	90.8%
Bachelor's or higher	25.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	24	1.6%
Kindergarten	77	5.0%
Elementary school	827	53.7%
High school	264	17.1%
College / grad school	348	22.6%

Employment

Industry of employment

Construction 17.1%

Education & healthcare 15.5%

Public administration 13.1%

Retail trade 12.3%

Finance & real estate 9.2%

Professional & management 9.2%

Arts, food & hospitality 8.6%

Manufacturing 6.0%

Other services 5.0%

Transportation & utilities 2.5%

Information 0.6%

Agriculture & mining 0.5%

Wholesale trade 0.4%

Occupation

Category	%
Management, business & arts	29.4%
Service	28.2%
Sales & office	18.8%
Natural resources & construction	16.3%
Production & transportation	7.3%

Employment type

Type	%
Private sector	65.9%
Government	27.4%
Self-employed	6.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.1%
Carpool	4.4%
Public transit	0.0%
Walk	1.9%
Work from home	11.6%
Other means	2.9%
Avg commute (minutes)	27.9

Poverty

All people 16.4%

Under 18 years 24.2%

18 and over 14.3%

Married-couple families 4.8%

Female-led households 41.7%

Income support

Source	% of households
Social Security	39.5%
Retirement income	32.3%
Supplemental Security	1.7%
Cash public assistance	2.5%
Food stamps / SNAP	12.0%

Health indicators

Condition	%
Obesity	32.1%
High blood pressure	40.4%
High cholesterol	35.3%
Diabetes	13.8%
Heart disease	8.8%
Stroke	4.5%
Asthma	9.5%
Arthritis	30.7%
Kidney disease	3.9%
Pulmonary disease	11.5%
Cancer	7.8%

Behavior / access	%
Smoking	23.4%
Binge drinking	14.2%
No physical activity	32.0%
Less than 7 hrs sleep	37.2%
Depression	20.6%
Fair or poor health	21.3%
Poor mental health	16.9%
Poor physical health	14.8%
No health insurance	22.7%
Visited doctor (checkup)	74.6%
Visited dentist	52.3%
Cholesterol screening	89.6%
Teeth loss	19.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	967	18.7%

Disability	%
Any disability	16.6%
Under 18	7.5%
18–64 years	12.1%
65 and over	41.6%

Health insurance coverage

Type	%
Private insurance	56.2%
Public insurance	41.4%
No insurance	15.7%
Uninsured under 19	9.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,264	96.0%
Spanish	91	1.5%
Other Indo-European	44	0.7%
Asian & Pacific Islander	35	0.6%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,347	97.3%
Born in same state	6,253	95.8%
Born in different state	3,545	54.3%
Foreign born	94	1.4%
Naturalized citizen	178	2.7%
Not a US citizen	96	53.9%

Ancestry

Ancestry	Count	%
Italian	755	11.6%
French	575	8.8%
Arab	446	6.8%
German	104	1.6%

Ancestry	Count	%
English	42	0.6%
Polish	33	0.5%
Irish	12	0.2%
Dutch	6	0.1%

Technology access

Metric	% of households
Computer access	39.8%
Internet access	92.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32435

What city is ZIP code 32435 in?

ZIP code 32435 is primarily assigned to Defuniak Springs, Florida.

What county is ZIP code 32435 in?

ZIP code 32435 falls within Walton County, Florida.

Does ZIP code 32435 have a large veteran population?

19% of civilians in ZIP code 32435 are veterans, above the national average of ~7%.

What is the poverty rate in ZIP code 32435?

16% of residents in ZIP code 32435 live below the poverty line, above the national average.

Is ZIP code 32435 mostly owner-occupied?

81% of occupied units in ZIP code 32435 are owner-occupied, well above the national average.

Does ZIP code 32435 have a large retiree population?

40% of households in ZIP code 32435 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 32435 in?

ZIP code 32435 observes the CST timezone.