32541 ZIP Code — Destin, FL

Okaloosa County, Florida

ZIP code 32541 is located in Destin, Florida, within Okaloosa County. It covers approximately 12.35 square miles and serves a population of 18,784 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32541

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1990s, giving the area an established character. Median home value is $476,400. Owner-occupancy sits near the national average at 66%.

The gap between median ($89,826) and mean household income suggests income inequality — a small number of higher earners pull the average up.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 24 minutes is near the national average.

Educational attainment is high — 47% of residents hold a bachelor's degree or higher, well above the national average of 33%.

15% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

18,784

population

12.35

sq mi land

Standard

ZIP type

Central (CT)

timezone

32541 ZIP code map

Cities in ZIP code 32541

Below are the cities the US Postal Service accepts for ZIP code 32541. Using any city not on this list may result in mail delivery delays.

City	Status
Destin	Preferred

Nearby ZIP codes

32550 Miramar Beach (6.3 mi) 32579 Shalimar (7.7 mi) 32580 Valparaiso (8.2 mi) 32578 Niceville (9 mi) 32548 Fort Walton Beach (12.1 mi) 32547 Fort Walton Beach (12.2 mi) 32569 Mary Esther (15.8 mi) 32459 Santa Rosa Beach (17.9 mi) 32542 Eglin Afb (18.6 mi) 32439 Freeport (19.2 mi)

Demographics updated 05/2026

Population
Total population	18,784
Population density	1,521 / sq mi
State FIPS	12
County FIPS	091

Geography
Land area	12.35 sq mi
Water area	6.68 sq mi
Latitude	30.3981
Longitude	-86.4559
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	27.6%	37.8%	43.4%
$50k – $100k	33.7%	33.3%	30.8%
$100k – $200k	25.5%	22.6%	19.3%
Over $200k	13.2%	6.3%	6.4%

Demographics & statistics

18,784

Population

1,521

People per sq mi

42.8

Median age

$89,826

Median household income

$63,400

Per capita income

$476,400

Median home value

$1,830

Median monthly rent

65.9%

Home ownership

8.9%

Poverty rate

1.9%

Unemployment

13,364

Housing units

47.1%

Bachelor's or higher

Age distribution

Male Female

483

Under 5

449

608

5–9

567

436

10–14

406

415

15–19

386

304

20–24

284

1,463

25–34

1,363

1,352

35–44

1,259

1,221

45–54

1,136

776

55–59

723

806

60–64

750

1,289

65–74

1,200

498

75–84

464

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	3,503	18.6%
18 and over	15,281	81.4%
65 and over	3,597	19.1%
Median age	42.8 years

Race & ethnicity

White 80.5%

Two or more races 6.6%

Hispanic or Latino 6%

Black or African American 3.5%

Asian 1.8%

Other race 1.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	16,081	80.5%
Two or more races	1,319	6.6%
Hispanic or Latino	1,194	6%
Black or African American	692	3.5%
Asian	353	1.8%
Other race	325	1.6%
American Indian / Alaska Native	14	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.6%	37.8%	43.4%
$50k – $100k	33.7%	33.3%	30.8%
$100k – $200k	25.5%	22.6%	19.3%
Over $200k	13.2%	6.3%	6.4%

Under $10k 3.2%

$10k–$15k 2.5%

$15k–$25k 4.7%

$25k–$35k 5.3%

$35k–$50k 8.8%

$50k–$75k 17.4%

$75k–$100k 13.6%

$100k–$150k 17.6%

$150k–$200k 10.4%

$200k+ 16.4%

Range	% of households
Under $10k	3.2%
$10k–$15k	2.5%
$15k–$25k	4.7%
$25k–$35k	5.3%
$35k–$50k	8.8%
$50k–$75k	17.4%
$75k–$100k	13.6%
$100k–$150k	17.6%
$150k–$200k	10.4%
$200k+	16.4%
Median income	$89,826

Housing

Home values

Under $50k 1.1%

$50k–$100k 0.6%

$100k–$150k 1.5%

$150k–$200k 3.5%

$200k–$300k 12.0%

$300k–$500k 35.5%

$500k–$1M 28.3%

$1M+ 17.5%

Housing overview

Metric	Value
Median home value	$476,400
Median rent / month	$1,830
Owner occupied	65.9%
Renter occupied	34.1%
Vacant	48.0%
Single-family detached	38.0%
Large apartment buildings	40.3%
Mobile homes	0.5%
Median rooms	4.7
Avg household size (owned)	2.19

Year built

Era	%
2020 or later	1.0%
2010–2019	9.9%
2000–2009	23.1%
1990–1999	25.5%
1980–1989	24.0%
1970–1979	13.2%
1960–1969	1.9%
1950–1959	0.9%
1940–1949	0.1%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	13.0%
2 bedrooms	31.5%
3 bedrooms	35.0%
4 bedrooms	12.5%
5+ bedrooms	5.4%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	34.2%
2 vehicles	44.1%
3 or more	18.1%

Heating fuel

Fuel type	%
Utility gas	20.0%
Electricity	78.0%
Propane / LP gas	0.7%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	4,008	47.5%
Cohabiting couple	663	7.9%
Male householder, no spouse	1,839	21.8%
Female householder, no spouse	1,932	22.9%
Households with children under 18	2,062	24.4%
Households with seniors (65+)	2,545	30.1%
Average household size	2.20

Marital status

Status	Male	Female
Never married	30.0%	22.9%
Married	51.7%	53.3%
Separated	3.1%	1.3%
Widowed	1.5%	7.3%
Divorced	13.7%	15.1%

Education

Less than 9th grade 2.8%

Some HS, no diploma 2.6%

HS graduate 16.6%

Some college, no degree 21.1%

Associate's degree 9.8%

Bachelor's degree 32.0%

Graduate / professional 15.1%

Metric	%
HS diploma or higher	94.6%
Bachelor's or higher	47.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	331	10.0%
Kindergarten	255	7.7%
Elementary school	1,529	46.3%
High school	665	20.2%
College / grad school	520	15.8%

Employment

Industry of employment

Finance & real estate 14.9%

Arts, food & hospitality 14.9%

Education & healthcare 14.7%

Professional & management 13.4%

Retail trade 11.9%

Construction 8.6%

Transportation & utilities 5.7%

Public administration 5.1%

Other services 3.7%

Manufacturing 2.8%

Agriculture & mining 1.6%

Wholesale trade 1.4%

Information 1.3%

Occupation

Category	%
Management, business & arts	42.2%
Service	14.5%
Sales & office	26.9%
Natural resources & construction	8.3%
Production & transportation	8.1%

Employment type

Type	%
Private sector	78.0%
Government	10.1%
Self-employed	11.7%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	74.5%
Carpool	6.3%
Public transit	0.6%
Walk	2.4%
Work from home	14.1%
Other means	2.1%
Avg commute (minutes)	23.8

Poverty

All people 8.9%

Under 18 years 11.0%

18 and over 8.4%

Married-couple families 4.6%

Female-led households 23.8%

Income support

Source	% of households
Social Security	29.0%
Retirement income	23.1%
Supplemental Security	1.4%
Cash public assistance	0.6%
Food stamps / SNAP	2.9%

Health indicators

Condition	%
Obesity	29.1%
High blood pressure	31.8%
High cholesterol	31.3%
Diabetes	8.7%
Heart disease	5.9%
Stroke	2.7%
Asthma	8.1%
Arthritis	23.4%
Kidney disease	2.6%
Pulmonary disease	6.9%
Cancer	7.0%

Behavior / access	%
Smoking	15.9%
Binge drinking	16.7%
No physical activity	20.0%
Less than 7 hrs sleep	32.6%
Depression	19.5%
Fair or poor health	12.5%
Poor mental health	14.5%
Poor physical health	9.6%
No health insurance	15.8%
Visited doctor (checkup)	73.5%
Visited dentist	65.4%
Cholesterol screening	90.9%
Teeth loss	10.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,001	13.6%

Disability	%
Any disability	11.2%
Under 18	7.7%
18–64 years	8.1%
65 and over	24.6%

Health insurance coverage

Type	%
Private insurance	69.6%
Public insurance	26.8%
No insurance	15.4%
Uninsured under 19	10.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,852	95.0%
Spanish	1,038	5.8%
Other Indo-European	368	2.1%
Asian & Pacific Islander	604	3.4%
Other languages	46	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,357	87.1%
Born in same state	15,987	85.1%
Born in different state	4,854	25.8%
Foreign born	370	2.0%
Naturalized citizen	2,427	12.9%
Not a US citizen	865	35.6%

Ancestry

Ancestry	Count	%
French	2,662	14.2%
Italian	1,952	10.4%
Arab	1,625	8.7%
English	193	1%
Polish	185	1%

Ancestry	Count	%
Irish	110	0.6%
Dutch	67	0.4%
German	51	0.3%
Norwegian	32	0.2%

Technology access

Metric	% of households
Computer access	44.9%
Internet access	98.6%

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

Frequently asked questions about ZIP code 32541

What city is ZIP code 32541 in?

ZIP code 32541 is primarily assigned to Destin, Florida.

What county is ZIP code 32541 in?

ZIP code 32541 falls within Okaloosa County, Florida.

How educated is the population of ZIP code 32541?

47% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 32541 have a large veteran population?

14% of civilians in ZIP code 32541 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 32541?

The median home value in ZIP code 32541 is $476,400.

What is the population of ZIP code 32541?

ZIP code 32541 has an estimated population of 18,784 residents, with a density of 1,521 people per square mile.

What timezone is ZIP code 32541 in?

ZIP code 32541 observes the CST timezone.