32531 ZIP Code — Baker, FL

Okaloosa County, Florida

ZIP code 32531 is located in Baker, Florida, within Okaloosa County. It covers approximately 228.34 square miles and serves a population of 7,235 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32531

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $266,900. Owner-occupancy is high at 85%, well above the national average.

Median household income is $79,258. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. An above-average commute of 44 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 22% of civilians, above the national average of 7%; and disability rates above the national average at 25%.

Overall, ZIP code 32531 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

7,235

population

228.34

sq mi land

Standard

ZIP type

Central (CT)

timezone

32531 ZIP code map

Cities in ZIP code 32531

Below are the cities the US Postal Service accepts for ZIP code 32531. Using any city not on this list may result in mail delivery delays.

City	Status
Baker	Preferred

Nearby ZIP codes

32536 Crestview (7.7 mi) 32564 Holt (11.9 mi) 32567 Laurel Hill (13.8 mi) 32539 Crestview (13.8 mi) 36483 Wing (18.4 mi) 32570 Milton (19.4 mi)

Demographics updated 05/2026

Population
Total population	7,235
Population density	32 / sq mi
State FIPS	12
County FIPS	091

Geography
Land area	228.34 sq mi
Water area	2.28 sq mi
Latitude	30.8625
Longitude	-86.6667
Timezone	Central (CT)
Area code	850

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.8%	37.8%	43.4%
$50k – $100k	27.6%	33.3%	30.8%
$100k – $200k	18.3%	22.6%	19.3%
Over $200k	7.4%	6.3%	6.4%

Demographics & statistics

7,235

Population

People per sq mi

45.2

Median age

$79,258

Median household income

$36,529

Per capita income

$266,900

Median home value

$874

Median monthly rent

84.8%

Home ownership

11.6%

Poverty rate

3.1%

Unemployment

2,891

Housing units

25.2%

Bachelor's or higher

Age distribution

Male Female

225

Under 5

221

341

5–9

335

227

10–14

222

136

15–19

134

20–24

354

25–34

348

441

35–44

433

526

45–54

516

293

55–59

287

225

60–64

220

371

65–74

364

255

75–84

250

169

85+

165

← Male

Female →

Age summary

Group	Count	%
Under 18	1,788	24.7%
18 and over	5,447	75.3%
65 and over	1,574	21.8%
Median age	45.2 years

Race & ethnicity

White 90.7%

Black or African American 4.3%

Two or more races 3.3%

Asian 0.8%

Hispanic or Latino 0.5%

Other race 0.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	6,598	90.7%
Black or African American	311	4.3%
Two or more races	242	3.3%
Asian	60	0.8%
Hispanic or Latino	39	0.5%
Other race	13	0.2%
American Indian / Alaska Native	11	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.8%	37.8%	43.4%
$50k – $100k	27.6%	33.3%	30.8%
$100k – $200k	18.3%	22.6%	19.3%
Over $200k	7.4%	6.3%	6.4%

Under $10k 2.7%

$10k–$15k 2.6%

$15k–$25k 11.2%

$25k–$35k 7.6%

$35k–$50k 16.4%

$50k–$75k 5.4%

$75k–$100k 18.6%

$100k–$150k 17.0%

$150k–$200k 7.8%

$200k+ 10.6%

Range	% of households
Under $10k	2.7%
$10k–$15k	2.6%
$15k–$25k	11.2%
$25k–$35k	7.6%
$35k–$50k	16.4%
$50k–$75k	5.4%
$75k–$100k	18.6%
$100k–$150k	17.0%
$150k–$200k	7.8%
$200k+	10.6%
Median income	$79,258

Housing

Home values

Under $50k 7.2%

$50k–$100k 5.5%

$100k–$150k 8.6%

$150k–$200k 15.6%

$200k–$300k 19.2%

$300k–$500k 35.2%

$500k–$1M 8.0%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$266,900
Median rent / month	$874
Owner occupied	84.8%
Renter occupied	15.2%
Vacant	10.8%
Single-family detached	76.2%
Large apartment buildings	0.0%
Mobile homes	22.3%
Median rooms	6.2
Avg household size (owned)	2.40

Year built

Era	%
2020 or later	5.2%
2010–2019	11.9%
2000–2009	26.6%
1990–1999	14.6%
1980–1989	10.6%
1970–1979	9.2%
1960–1969	7.9%
1950–1959	7.0%
1940–1949	5.3%
1939 or earlier	1.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	1.0%
2 bedrooms	14.7%
3 bedrooms	60.0%
4 bedrooms	22.8%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	7.2%
1 vehicle	21.6%
2 vehicles	49.8%
3 or more	21.4%

Heating fuel

Fuel type	%
Utility gas	5.3%
Electricity	82.1%
Propane / LP gas	6.9%
Wood	4.8%
Solar	1.0%

Households & families

Household type	Count	%
Married-couple family	1,679	56.3%
Cohabiting couple	169	5.7%
Male householder, no spouse	348	11.7%
Female householder, no spouse	787	26.4%
Households with children under 18	790	26.5%
Households with seniors (65+)	1,086	36.4%
Average household size	2.42

Marital status

Status	Male	Female
Never married	24.1%	11.9%
Married	59.9%	54.3%
Separated	0.9%	1.3%
Widowed	2.5%	11.6%
Divorced	12.6%	20.9%

Education

Less than 9th grade 1.0%

Some HS, no diploma 3.8%

HS graduate 37.4%

Some college, no degree 21.1%

Associate's degree 11.4%

Bachelor's degree 15.6%

Graduate / professional 9.6%

Metric	%
HS diploma or higher	95.2%
Bachelor's or higher	25.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	80	4.9%
Kindergarten	107	6.5%
Elementary school	893	54.4%
High school	322	19.6%
College / grad school	241	14.7%

Employment

Industry of employment

Public administration 17.5%

Education & healthcare 15.3%

Professional & management 14.4%

Finance & real estate 8.7%

Transportation & utilities 7.9%

Construction 7.7%

Arts, food & hospitality 7.1%

Retail trade 6.2%

Other services 5.7%

Manufacturing 3.9%

Information 3.8%

Agriculture & mining 1.9%

Occupation

Category	%
Management, business & arts	40.2%
Service	19.9%
Sales & office	19.5%
Natural resources & construction	12.1%
Production & transportation	8.2%

Employment type

Type	%
Private sector	54.1%
Government	36.1%
Self-employed	9.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.2%
Carpool	16.7%
Public transit	0.0%
Walk	0.0%
Work from home	2.2%
Other means	0.9%
Avg commute (minutes)	44.3

Poverty

All people 11.6%

Under 18 years 18.9%

18 and over 9.4%

Married-couple families 5.4%

Female-led households 35.2%

Income support

Source	% of households
Social Security	40.8%
Retirement income	36.3%
Supplemental Security	5.9%
Cash public assistance	2.0%
Food stamps / SNAP	7.3%

Health indicators

Condition	%
Obesity	32.3%
High blood pressure	36.2%
High cholesterol	33.5%
Diabetes	10.8%
Heart disease	7.3%
Stroke	3.6%
Asthma	8.9%
Arthritis	27.3%
Kidney disease	3.1%
Pulmonary disease	9.7%
Cancer	7.2%

Behavior / access	%
Smoking	21.9%
Binge drinking	16.1%
No physical activity	25.4%
Less than 7 hrs sleep	35.2%
Depression	21.4%
Fair or poor health	17.0%
Poor mental health	16.4%
Poor physical health	12.4%
No health insurance	18.4%
Visited doctor (checkup)	74.1%
Visited dentist	58.6%
Cholesterol screening	90.0%
Teeth loss	17.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,187	22.2%

Disability	%
Any disability	24.6%
Under 18	13.3%
18–64 years	22.1%
65 and over	43.2%

Health insurance coverage

Type	%
Private insurance	72.1%
Public insurance	46.7%
No insurance	5.4%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,789	93.8%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,177	99.2%
Born in same state	7,085	97.9%
Born in different state	3,870	53.5%
Foreign born	92	1.3%
Naturalized citizen	58	0.8%
Not a US citizen	58	100.0%

Ancestry

Ancestry	Count	%
Italian	1,182	16.3%
French	962	13.3%
Arab	930	12.9%
Polish	119	1.6%

Ancestry	Count	%
German	44	0.6%
Irish	40	0.6%
English	30	0.4%

Technology access

Metric	% of households
Computer access	41.2%
Internet access	92.2%

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

Frequently asked questions about ZIP code 32531

What city is ZIP code 32531 in?

ZIP code 32531 is primarily assigned to Baker, Florida.

What county is ZIP code 32531 in?

ZIP code 32531 falls within Okaloosa County, Florida.

Does ZIP code 32531 have a large veteran population?

22% of civilians in ZIP code 32531 are veterans, above the national average of ~7%.

Is ZIP code 32531 mostly owner-occupied?

85% of occupied units in ZIP code 32531 are owner-occupied, well above the national average.

Does ZIP code 32531 have a large retiree population?

41% of households in ZIP code 32531 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 32531?

ZIP code 32531 has an estimated population of 7,235 residents, with a density of 32 people per square mile.

What timezone is ZIP code 32531 in?

ZIP code 32531 observes the CST timezone.