32564 ZIP Code — Holt, FL

Okaloosa County, Florida

ZIP code 32564 is located in Holt, Florida, within Okaloosa County. It covers approximately 102.96 square miles and serves a population of 2,350 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32564

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $119,300. Owner-occupancy is high at 82%, well above the national average.

The gap between median ($65,750) and mean household income suggests income inequality — a small number of higher earners pull the average up. SNAP benefit usage at 30% of households reflects economic stress in the area. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 55 minutes suggests many residents work outside the immediate area.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 16% of civilians, above the national average of 7%.

Overall, ZIP code 32564 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

2,350

population

102.96

sq mi land

Standard

ZIP type

Central (CT)

timezone

32564 ZIP code map

Cities in ZIP code 32564

Below are the cities the US Postal Service accepts for ZIP code 32564. Using any city not on this list may result in mail delivery delays.

City	Status
Holt	Preferred

Nearby ZIP codes

32531 Baker (11.9 mi) 32570 Milton (12.1 mi) 32536 Crestview (12.3 mi) 32542 Eglin Afb (13.1 mi) 32583 Milton (15.4 mi)

Demographics updated 05/2026

Population
Total population	2,350
Population density	23 / sq mi
State FIPS	12
County FIPS	091

Geography
Land area	102.96 sq mi
Water area	1.12 sq mi
Latitude	30.7319
Longitude	-86.7973
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	45.0%	37.8%	43.4%
$50k – $100k	25.0%	33.3%	30.8%
$100k – $200k	20.4%	22.6%	19.3%
Over $200k	9.6%	6.3%	6.4%

Demographics & statistics

2,350

Population

People per sq mi

46.6

Median age

$65,750

Median household income

$37,093

Per capita income

$119,300

Median home value

$885

Median monthly rent

82.3%

Home ownership

13.6%

Poverty rate

1.2%

Unemployment

803

Housing units

13.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

106

15–19

107

20–24

123

25–34

125

35–44

216

45–54

218

121

55–59

123

60–64

107

65–74

109

104

75–84

105

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	387	16.5%
18 and over	1,963	83.5%
65 and over	448	19.1%
Median age	46.6 years

Race & ethnicity

White 88.3%

Two or more races 5.7%

Hispanic or Latino 1.8%

Other race 1.8%

American Indian / Alaska Native 1%

Asian 0.7%

Black or African American 0.6%

Group	Count	%
White	2,113	88.3%
Two or more races	137	5.7%
Hispanic or Latino	44	1.8%
Other race	44	1.8%
American Indian / Alaska Native	25	1%
Asian	17	0.7%
Black or African American	14	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.0%	37.8%	43.4%
$50k – $100k	25.0%	33.3%	30.8%
$100k – $200k	20.4%	22.6%	19.3%
Over $200k	9.6%	6.3%	6.4%

Under $10k 6.9%

$10k–$15k 1.8%

$15k–$25k 20.2%

$25k–$35k 4.7%

$35k–$50k 13.0%

$50k–$75k 7.6%

$75k–$100k 11.8%

$100k–$150k 12.3%

$150k–$200k 10.2%

$200k+ 11.6%

Range	% of households
Under $10k	6.9%
$10k–$15k	1.8%
$15k–$25k	20.2%
$25k–$35k	4.7%
$35k–$50k	13.0%
$50k–$75k	7.6%
$75k–$100k	11.8%
$100k–$150k	12.3%
$150k–$200k	10.2%
$200k+	11.6%
Median income	$65,750

Housing

Home values

Under $50k 31.7%

$50k–$100k 9.4%

$100k–$150k 18.6%

$150k–$200k 1.3%

$200k–$300k 15.1%

$300k–$500k 22.9%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$119,300
Median rent / month	$885
Owner occupied	82.3%
Renter occupied	17.7%
Vacant	6.4%
Single-family detached	46.2%
Large apartment buildings	0.0%
Mobile homes	51.7%
Median rooms	5.4
Avg household size (owned)	2.53

Year built

Era	%
2020 or later	5.6%
2010–2019	7.0%
2000–2009	32.5%
1990–1999	27.0%
1980–1989	7.9%
1970–1979	1.7%
1960–1969	3.5%
1950–1959	7.2%
1940–1949	1.5%
1939 or earlier	6.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	4.3%
2 bedrooms	27.0%
3 bedrooms	48.8%
4 bedrooms	11.0%
5+ bedrooms	7.4%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	39.4%
2 vehicles	27.7%
3 or more	32.9%

Heating fuel

Fuel type	%
Utility gas	9.7%
Electricity	82.6%
Propane / LP gas	3.3%
Wood	2.7%
No fuel used	1.8%

Households & families

Household type	Count	%
Married-couple family	548	60.9%
Cohabiting couple	36	4.0%
Male householder, no spouse	149	16.6%
Female householder, no spouse	167	18.6%
Households with children under 18	245	27.2%
Households with seniors (65+)	384	42.7%
Average household size	2.59

Marital status

Status	Male	Female
Never married	26.4%	21.4%
Married	61.4%	58.5%
Separated	1.2%	2.0%
Widowed	2.8%	9.8%
Divorced	8.1%	8.3%

Education

Less than 9th grade 9.9%

Some HS, no diploma 1.8%

HS graduate 31.2%

Some college, no degree 19.9%

Associate's degree 24.1%

Bachelor's degree 7.9%

Graduate / professional 5.2%

Metric	%
HS diploma or higher	88.3%
Bachelor's or higher	13.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	102	21.8%
High school	192	41.0%
College / grad school	174	37.2%

Employment

Industry of employment

Education & healthcare 19.3%

Retail trade 14.5%

Professional & management 11.9%

Public administration 11.5%

Transportation & utilities 11.4%

Arts, food & hospitality 8.0%

Other services 6.4%

Finance & real estate 6.0%

Construction 3.6%

Manufacturing 3.1%

Agriculture & mining 2.8%

Wholesale trade 1.5%

Occupation

Category	%
Management, business & arts	42.9%
Service	18.3%
Sales & office	12.2%
Natural resources & construction	6.6%
Production & transportation	20.0%

Employment type

Type	%
Private sector	75.6%
Government	21.1%
Self-employed	3.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	70.5%
Carpool	14.7%
Public transit	0.0%
Walk	0.0%
Work from home	14.9%
Other means	0.0%
Avg commute (minutes)	54.9

Poverty

All people 13.6%

Under 18 years 21.5%

18 and over 12.0%

Married-couple families 5.1%

Female-led households 38.7%

Income support

Source	% of households
Social Security	42.8%
Retirement income	27.6%
Supplemental Security	10.3%
Cash public assistance	0.0%
Food stamps / SNAP	30.2%

Health indicators

Condition	%
Obesity	32.6%
High blood pressure	36.2%
High cholesterol	34.9%
Diabetes	10.9%
Heart disease	7.2%
Stroke	3.5%
Asthma	9.0%
Arthritis	27.2%
Kidney disease	3.1%
Pulmonary disease	9.9%
Cancer	6.9%

Behavior / access	%
Smoking	23.3%
Binge drinking	16.0%
No physical activity	26.4%
Less than 7 hrs sleep	35.6%
Depression	21.7%
Fair or poor health	17.4%
Poor mental health	16.9%
Poor physical health	12.8%
No health insurance	19.0%
Visited doctor (checkup)	73.5%
Visited dentist	57.0%
Cholesterol screening	89.7%
Teeth loss	17.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	317	16.3%

Disability	%
Any disability	21.8%
Under 18	0.0%
18–64 years	19.7%
65 and over	46.9%

Health insurance coverage

Type	%
Private insurance	58.2%
Public insurance	38.3%
No insurance	13.6%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,240	95.3%
Spanish	83	3.7%
Other Indo-European	83	3.7%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,236	95.1%
Born in same state	2,131	90.7%
Born in different state	1,331	56.6%
Foreign born	105	4.5%
Naturalized citizen	114	4.9%
Not a US citizen	68	59.6%

Ancestry

Ancestry	Count	%
French	705	30%
Italian	416	17.7%
Arab	171	7.3%

Ancestry	Count	%
Irish	40	1.7%
English	21	0.9%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	83.1%

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

Frequently asked questions about ZIP code 32564

What city is ZIP code 32564 in?

ZIP code 32564 is primarily assigned to Holt, Florida.

What county is ZIP code 32564 in?

ZIP code 32564 falls within Okaloosa County, Florida.

How educated is the population of ZIP code 32564?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 32564 have a large retiree population?

43% of households in ZIP code 32564 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 32564 mostly owner-occupied?

82% of occupied units in ZIP code 32564 are owner-occupied, well above the national average.

Does ZIP code 32564 have a large veteran population?

16% of civilians in ZIP code 32564 are veterans, above the national average of ~7%.

What timezone is ZIP code 32564 in?

ZIP code 32564 observes the CST timezone.