32548 ZIP Code — Fort Walton Beach, FL

Okaloosa County, Florida

ZIP code 32548 is located in Fort Walton Beach, Florida, within Okaloosa County. It covers approximately 12.08 square miles and serves a population of 23,575 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32548

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1970s, giving the area an established character. Median home value is $270,500. Owner-occupancy sits near the national average at 58%.

The gap between median ($61,037) and mean household income suggests income inequality — a small number of higher earners pull the average up. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

16% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 18% of civilians, above the national average of 7%.

Overall, ZIP code 32548 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

23,575

population

12.08

sq mi land

Standard

ZIP type

Central (CT)

timezone

32548 ZIP code map

Cities in ZIP code 32548

Below are the cities the US Postal Service accepts for ZIP code 32548. Using any city not on this list may result in mail delivery delays.

City	Status
Fort Walton Beach	Acceptable
Fort Walton Beach	Preferred

Nearby ZIP codes

32569 Mary Esther (3.8 mi) 32547 Fort Walton Beach (4 mi) 32579 Shalimar (5.9 mi) 32542 Eglin Afb (10.7 mi) 32580 Valparaiso (11.3 mi) 32541 Destin (12.1 mi) 32566 Navarre (13.6 mi) 32578 Niceville (17.3 mi) 32550 Miramar Beach (18.3 mi)

Demographics updated 06/2026

Population
Total population	23,575
Population density	1,952 / sq mi
State FIPS	12
County FIPS	091

Geography
Land area	12.08 sq mi
Water area	6.69 sq mi
Latitude	30.4102
Longitude	-86.6578
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	44.7%	37.8%	43.4%
$50k – $100k	33.7%	33.3%	30.8%
$100k – $200k	17.2%	22.6%	19.3%
Over $200k	4.4%	6.3%	6.4%

Demographics & statistics

23,575

Population

1,952

People per sq mi

40.3

Median age

$61,037

Median household income

$39,699

Per capita income

$270,500

Median home value

$1,225

Median monthly rent

58.4%

Home ownership

15.7%

Poverty rate

3.4%

Unemployment

9,893

Housing units

30.4%

Bachelor's or higher

Age distribution

Male Female

684

Under 5

653

736

5–9

703

600

10–14

573

607

15–19

580

741

20–24

708

1,615

25–34

1,543

1,655

35–44

1,581

1,351

45–54

1,290

941

55–59

899

848

60–64

810

1,229

65–74

1,174

860

75–84

822

190

85+

182

← Male

Female →

Age summary

Group	Count	%
Under 18	4,751	20.2%
18 and over	18,824	79.8%
65 and over	4,457	18.9%
Median age	40.3 years

Race & ethnicity

White 61.6%

Black or African American 10.4%

Hispanic or Latino 9.4%

Two or more races 6.8%

Other race 6.3%

Asian 4.9%

Native Hawaiian / Pacific Islander 0.5%

American Indian / Alaska Native 0.1%

Group	Count	%
White	16,021	61.6%
Black or African American	2,711	10.4%
Hispanic or Latino	2,454	9.4%
Two or more races	1,771	6.8%
Other race	1,640	6.3%
Asian	1,279	4.9%
Native Hawaiian / Pacific Islander	118	0.5%
American Indian / Alaska Native	35	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.7%	37.8%	43.4%
$50k – $100k	33.7%	33.3%	30.8%
$100k – $200k	17.2%	22.6%	19.3%
Over $200k	4.4%	6.3%	6.4%

Under $10k 5.3%

$10k–$15k 3.3%

$15k–$25k 6.4%

$25k–$35k 11.2%

$35k–$50k 13.6%

$50k–$75k 20.3%

$75k–$100k 12.9%

$100k–$150k 14.0%

$150k–$200k 5.7%

$200k+ 7.3%

Range	% of households
Under $10k	5.3%
$10k–$15k	3.3%
$15k–$25k	6.4%
$25k–$35k	11.2%
$35k–$50k	13.6%
$50k–$75k	20.3%
$75k–$100k	12.9%
$100k–$150k	14.0%
$150k–$200k	5.7%
$200k+	7.3%
Median income	$61,037

Housing

Home values

Under $50k 1.9%

$50k–$100k 5.3%

$100k–$150k 6.7%

$150k–$200k 15.0%

$200k–$300k 31.8%

$300k–$500k 26.2%

$500k–$1M 10.9%

$1M+ 2.3%

Housing overview

Metric	Value
Median home value	$270,500
Median rent / month	$1,225
Owner occupied	58.4%
Renter occupied	41.6%
Vacant	27.6%
Single-family detached	45.0%
Large apartment buildings	26.3%
Mobile homes	1.0%
Median rooms	4.7
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	0.1%
2010–2019	5.7%
2000–2009	14.7%
1990–1999	10.9%
1980–1989	17.1%
1970–1979	19.5%
1960–1969	18.3%
1950–1959	11.6%
1940–1949	1.3%
1939 or earlier	0.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	15.2%
2 bedrooms	31.7%
3 bedrooms	36.8%
4 bedrooms	12.1%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.9%
1 vehicle	46.4%
2 vehicles	32.8%
3 or more	15.9%

Heating fuel

Fuel type	%
Utility gas	27.8%
Electricity	70.5%
Propane / LP gas	0.8%
Wood	0.2%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	4,186	40.9%
Cohabiting couple	565	5.5%
Male householder, no spouse	2,627	25.7%
Female householder, no spouse	2,861	27.9%
Households with children under 18	2,413	23.6%
Households with seniors (65+)	3,341	32.6%
Average household size	2.27

Marital status

Status	Male	Female
Never married	37.3%	25.6%
Married	46.9%	45.1%
Separated	0.6%	3.6%
Widowed	2.4%	9.0%
Divorced	12.7%	16.7%

Education

Less than 9th grade 3.4%

Some HS, no diploma 4.0%

HS graduate 28.2%

Some college, no degree 24.5%

Associate's degree 9.5%

Bachelor's degree 19.2%

Graduate / professional 11.2%

Metric	%
HS diploma or higher	92.6%
Bachelor's or higher	30.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	282	6.4%
Kindergarten	395	8.9%
Elementary school	1,538	34.8%
High school	1,217	27.6%
College / grad school	984	22.3%

Employment

Industry of employment

Arts, food & hospitality 19.9%

Education & healthcare 14.8%

Professional & management 14.7%

Retail trade 10.8%

Public administration 8.5%

Construction 7.5%

Other services 6.8%

Finance & real estate 6.5%

Manufacturing 4.6%

Transportation & utilities 4.4%

Wholesale trade 1.1%

Information 0.3%

Occupation

Category	%
Management, business & arts	38.1%
Service	27.1%
Sales & office	16.6%
Natural resources & construction	8.3%
Production & transportation	9.8%

Employment type

Type	%
Private sector	76.9%
Government	15.6%
Self-employed	7.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.0%
Carpool	13.1%
Public transit	0.7%
Walk	2.1%
Work from home	6.2%
Other means	2.8%
Avg commute (minutes)	22.4

Poverty

All people 15.7%

Under 18 years 25.3%

18 and over 13.3%

Married-couple families 7.5%

Female-led households 29.9%

Income support

Source	% of households
Social Security	33.5%
Retirement income	30.9%
Supplemental Security	3.8%
Cash public assistance	1.6%
Food stamps / SNAP	8.7%

Health indicators

Condition	%
Obesity	31.5%
High blood pressure	35.5%
High cholesterol	31.8%
Diabetes	10.8%
Heart disease	6.8%
Stroke	3.4%
Asthma	8.6%
Arthritis	25.4%
Kidney disease	3.1%
Pulmonary disease	8.1%
Cancer	7.0%

Behavior / access	%
Smoking	18.1%
Binge drinking	15.4%
No physical activity	24.3%
Less than 7 hrs sleep	35.0%
Depression	19.3%
Fair or poor health	15.8%
Poor mental health	15.3%
Poor physical health	11.2%
No health insurance	18.8%
Visited doctor (checkup)	74.9%
Visited dentist	60.2%
Cholesterol screening	90.2%
Teeth loss	14.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	3,289	18.4%

Disability	%
Any disability	15.2%
Under 18	3.8%
18–64 years	12.6%
65 and over	35.5%

Health insurance coverage

Type	%
Private insurance	65.2%
Public insurance	36.9%
No insurance	16.4%
Uninsured under 19	13.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	22,238	94.3%
Spanish	1,491	6.7%
Other Indo-European	839	3.8%
Asian & Pacific Islander	125	0.6%
Other languages	527	2.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,941	88.8%
Born in same state	19,804	84.0%
Born in different state	7,645	32.4%
Foreign born	1,137	4.8%
Naturalized citizen	2,634	11.2%
Not a US citizen	1,086	41.2%

Ancestry

Ancestry	Count	%
Italian	2,416	10.2%
French	2,399	10.2%
Arab	1,807	7.7%
German	218	0.9%
English	194	0.8%

Ancestry	Count	%
Polish	161	0.7%
Dutch	31	0.1%
Irish	26	0.1%
Norwegian	12	0.1%

Technology access

Metric	% of households
Computer access	43.4%
Internet access	96.1%

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

Frequently asked questions about ZIP code 32548

What city is ZIP code 32548 in?

ZIP code 32548 is primarily assigned to Fort Walton Beach, Florida.

What county is ZIP code 32548 in?

ZIP code 32548 falls within Okaloosa County, Florida.

Does ZIP code 32548 have a large veteran population?

18% of civilians in ZIP code 32548 are veterans, above the national average of ~7%.

What is the poverty rate in ZIP code 32548?

16% of residents in ZIP code 32548 live below the poverty line, above the national average.

What is the population of ZIP code 32548?

ZIP code 32548 has an estimated population of 23,575 residents, with a density of 1,951 people per square mile.

What is the median household income in ZIP code 32548?

The median household income in ZIP code 32548 is $61,037, below the national median of ~$75,000.

What timezone is ZIP code 32548 in?

ZIP code 32548 observes the CST timezone.