32547 ZIP Code — Fort Walton Beach, FL
Okaloosa County, Florida
ZIP code 32547 is located in Fort Walton Beach, Florida, within Okaloosa County. It covers approximately 28.99 square miles and serves a population of 34,124 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.
About ZIP code 32547
The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $272,100. Owner-occupancy sits near the national average at 57%.
Median household income is $61,407.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.
Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.
17% of residents lack health insurance, above the national average.
Notable community characteristics include a notable veteran presence at 20% of civilians, above the national average of 7%.
34,124
population
28.99
sq mi land
Standard
ZIP type
Central (CT)
timezone
32547 ZIP code map
Cities in ZIP code 32547
Below are the cities the US Postal Service accepts for ZIP code 32547. 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
32548 Fort Walton Beach (4 mi)
32579 Shalimar (4.5 mi)
32569 Mary Esther (5.7 mi)
32542 Eglin Afb (7.4 mi)
32580 Valparaiso (8.7 mi)
32541 Destin (12.2 mi)
32566 Navarre (14.7 mi)
32578 Niceville (15.1 mi)
32550 Miramar Beach (18.2 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 34,124 |
| Population density | 1,177 / sq mi |
| State FIPS | 12 |
| County FIPS | 091 |
| Geography | |
|---|---|
| Land area | 28.99 sq mi |
| Water area | 1.20 sq mi |
| Latitude | 30.4674 |
| Longitude | -86.6436 |
| 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 | 46.0% | 37.8% | 43.4% |
| $50k – $100k | 36.2% | 33.3% | 30.8% |
| $100k – $200k | 15.2% | 22.6% | 19.3% |
| Over $200k | 2.7% | 6.3% | 6.4% |
Demographics & statistics
34,124
Population
1,177
People per sq mi
36.6
Median age
$61,407
Median household income
$34,677
Per capita income
$272,100
Median home value
$1,279
Median monthly rent
56.6%
Home ownership
13.1%
Poverty rate
3.3%
Unemployment
9,734
Housing units
25.8%
Bachelor's or higher
Age distribution
Male
Female
1,186
Under 5
1,169
806
5–9
795
943
10–14
930
836
15–19
823
1,091
20–24
1,074
3,235
25–34
3,188
2,270
35–44
2,236
1,963
45–54
1,934
1,018
55–59
1,003
1,044
60–64
1,029
1,516
65–74
1,494
895
75–84
882
385
85+
379
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 6,850 | 20.1% |
| 18 and over | 27,274 | 79.9% |
| 65 and over | 5,551 | 16.3% |
| Median age | 36.6 years | |
Race & ethnicity
White
57.8%
Hispanic or Latino
12.3%
Two or more races
12.3%
Black or African American
9.6%
Other race
5.8%
Asian
2%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 22,510 | 57.8% |
| Hispanic or Latino | 4,799 | 12.3% |
| Two or more races | 4,789 | 12.3% |
| Black or African American | 3,747 | 9.6% |
| Other race | 2,241 | 5.8% |
| Asian | 780 | 2% |
| American Indian / Alaska Native | 49 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 46.0% | 37.8% | 43.4% |
| $50k – $100k | 36.2% | 33.3% | 30.8% |
| $100k – $200k | 15.2% | 22.6% | 19.3% |
| Over $200k | 2.7% | 6.3% | 6.4% |
Under $10k
3.8%
$10k–$15k
3.3%
$15k–$25k
6.6%
$25k–$35k
8.0%
$35k–$50k
15.5%
$50k–$75k
24.6%
$75k–$100k
12.8%
$100k–$150k
15.0%
$150k–$200k
6.8%
$200k+
3.6%
| Range | % of households |
|---|---|
| Under $10k | 3.8% |
| $10k–$15k | 3.3% |
| $15k–$25k | 6.6% |
| $25k–$35k | 8.0% |
| $35k–$50k | 15.5% |
| $50k–$75k | 24.6% |
| $75k–$100k | 12.8% |
| $100k–$150k | 15.0% |
| $150k–$200k | 6.8% |
| $200k+ | 3.6% |
| Median income | $61,407 |
Housing
Home values
Under $50k
5.9%
$50k–$100k
4.1%
$100k–$150k
6.7%
$150k–$200k
12.0%
$200k–$300k
28.1%
$300k–$500k
33.0%
$500k–$1M
8.4%
$1M+
1.8%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $272,100 |
| Median rent / month | $1,279 |
| Owner occupied | 56.6% |
| Renter occupied | 43.4% |
| Vacant | 8.1% |
| Single-family detached | 54.0% |
| Large apartment buildings | 9.6% |
| Mobile homes | 8.4% |
| Median rooms | 5.3 |
| Avg household size (owned) | 2.31 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 7.4% |
| 2000–2009 | 13.5% |
| 1990–1999 | 19.5% |
| 1980–1989 | 19.9% |
| 1970–1979 | 19.9% |
| 1960–1969 | 12.8% |
| 1950–1959 | 5.3% |
| 1940–1949 | 1.1% |
| 1939 or earlier | 0.5% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.6% |
| 1 bedroom | 7.0% |
| 2 bedrooms | 30.4% |
| 3 bedrooms | 42.8% |
| 4 bedrooms | 16.4% |
| 5+ bedrooms | 0.7% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.1% |
| 1 vehicle | 38.2% |
| 2 vehicles | 41.6% |
| 3 or more | 15.1% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 24.4% |
| Electricity | 70.9% |
| Propane / LP gas | 2.9% |
| Wood | 0.1% |
| Solar | 0.4% |
| No fuel used | 1.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 6,072 | 40.8% |
| Cohabiting couple | 1,207 | 8.1% |
| Male householder, no spouse | 3,301 | 22.2% |
| Female householder, no spouse | 4,303 | 28.9% |
| Households with children under 18 | 3,575 | 24.0% |
| Households with seniors (65+) | 3,905 | 26.2% |
| Average household size | 2.27 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 35.1% | 26.3% |
| Married | 47.5% | 47.0% |
| Separated | 2.5% | 3.1% |
| Widowed | 1.8% | 8.6% |
| Divorced | 13.1% | 15.0% |
Education
Less than 9th grade
5.2%
Some HS, no diploma
5.5%
HS graduate
25.7%
Some college, no degree
24.0%
Associate's degree
13.9%
Bachelor's degree
18.2%
Graduate / professional
7.6%
| Metric | % |
|---|---|
| HS diploma or higher | 89.3% |
| Bachelor's or higher | 25.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 267 | 3.9% |
| Kindergarten | 490 | 7.1% |
| Elementary school | 2,582 | 37.7% |
| High school | 1,307 | 19.1% |
| College / grad school | 2,211 | 32.2% |
Employment
Industry of employment
Education & healthcare
17.7%
Professional & management
16.0%
Arts, food & hospitality
13.3%
Retail trade
12.5%
Construction
10.2%
Public administration
7.0%
Finance & real estate
5.7%
Transportation & utilities
5.6%
Manufacturing
5.0%
Other services
4.4%
Wholesale trade
2.0%
Information
0.6%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 39.1% |
| Service | 20.3% |
| Sales & office | 19.0% |
| Natural resources & construction | 9.1% |
| Production & transportation | 12.4% |
Employment type
| Type | % |
|---|---|
| Private sector | 78.9% |
| Government | 15.0% |
| Self-employed | 5.8% |
| Unpaid family workers | 0.3% |
Commute
| Method | % |
|---|---|
| Drive alone | 79.4% |
| Carpool | 11.0% |
| Public transit | 0.5% |
| Walk | 1.4% |
| Work from home | 4.2% |
| Other means | 3.4% |
| Avg commute (minutes) | 23.3 |
Poverty
All people
13.1%
Under 18 years
23.9%
18 and over
10.4%
Married-couple families
3.0%
Female-led households
26.3%
Income support
| Source | % of households |
|---|---|
| Social Security | 28.9% |
| Retirement income | 24.7% |
| Supplemental Security | 4.1% |
| Cash public assistance | 1.7% |
| Food stamps / SNAP | 10.1% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 31.8% |
| High blood pressure | 33.4% |
| High cholesterol | 29.1% |
| Diabetes | 10.1% |
| Heart disease | 6.3% |
| Stroke | 3.2% |
| Asthma | 8.9% |
| Arthritis | 23.6% |
| Kidney disease | 2.9% |
| Pulmonary disease | 8.1% |
| Cancer | 6.2% |
| Behavior / access | % |
|---|---|
| Smoking | 19.5% |
| Binge drinking | 16.0% |
| No physical activity | 25.2% |
| Less than 7 hrs sleep | 35.7% |
| Depression | 20.3% |
| Fair or poor health | 16.5% |
| Poor mental health | 16.5% |
| Poor physical health | 11.4% |
| No health insurance | 20.8% |
| Visited doctor (checkup) | 73.5% |
| Visited dentist | 57.1% |
| Cholesterol screening | 88.4% |
| Teeth loss | 16.7% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 4,876 | 19.8% |
| Disability | % |
|---|---|
| Any disability | 17.2% |
| Under 18 | 7.5% |
| 18–64 years | 15.0% |
| 65 and over | 36.8% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 64.1% |
| Public insurance | 36.0% |
| No insurance | 16.5% |
| Uninsured under 19 | 11.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 31,769 | 93.1% |
| Spanish | 2,689 | 8.5% |
| Other Indo-European | 2,208 | 7.0% |
| Asian & Pacific Islander | 265 | 0.8% |
| Other languages | 216 | 0.7% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 29,423 | 86.2% |
| Born in same state | 28,283 | 82.9% |
| Born in different state | 9,350 | 27.4% |
| Foreign born | 1,140 | 3.3% |
| Naturalized citizen | 4,701 | 13.8% |
| Not a US citizen | 1,658 | 35.3% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 3,443 | 10.1% |
| Italian | 2,914 | 8.5% |
| Arab | 1,666 | 4.9% |
| English | 279 | 0.8% |
| Irish | 173 | 0.5% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 166 | 0.5% |
| German | 121 | 0.4% |
| Norwegian | 74 | 0.2% |
| Dutch | 22 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 43.6% |
| Internet access | 94.3% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 32547
What city is ZIP code 32547 in?
ZIP code 32547 is primarily assigned to Fort Walton Beach, Florida.
What county is ZIP code 32547 in?
ZIP code 32547 falls within Okaloosa County, Florida.
Does ZIP code 32547 have a large veteran population?
20% of civilians in ZIP code 32547 are veterans, above the national average of ~7%.
What is the population of ZIP code 32547?
ZIP code 32547 has an estimated population of 34,124 residents, with a density of 1,177 people per square mile.
What is the median household income in ZIP code 32547?
The median household income in ZIP code 32547 is $61,407, below the national median of ~$75,000.
What is the typical home value in ZIP code 32547?
The median home value in ZIP code 32547 is $272,100.
What timezone is ZIP code 32547 in?
ZIP code 32547 observes the CST timezone.