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Florida ZIP Codes
Okaloosa County
Mary Esther, FL
32569
32569 ZIP Code — Mary Esther, FL
Okaloosa County, Florida
ZIP code 32569 is located in
Mary Esther ,
Florida ,
within Okaloosa County .
It covers approximately 4.14 square miles and serves a population of
12,936 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 850 .
About ZIP code 32569
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $272,800. Owner-occupancy sits near the national average at 69%.
The gap between median ($70,426) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.
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 near the national average, with 40% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 21% of civilians, above the national average of 7%.
32569 ZIP code map
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Cities in ZIP code 32569
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Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
12,936
Population density
3,125 / sq mi
State FIPS
12
County FIPS
091
Geography
Land area
4.14 sq mi
Water area
5.05 sq mi
Latitude
30.4176
Longitude
-86.7207
Timezone
Central (CT)
Area code
850
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
38.8%
37.8%
43.4%
$50k – $100k
35.8%
33.3%
30.8%
$100k – $200k
22.7%
22.6%
19.3%
Over $200k
2.8%
6.3%
6.4%
Demographics & statistics
$70,426
Median household income
$272,800
Median home value
$1,371
Median monthly rent
40.3%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 2,277 17.6% 18 and over 10,659 82.4% 65 and over 1,926 14.9% Median age 36.2 years
Race & ethnicity
Black or African American
10.7%
American Indian / Alaska Native
0.6%
Group Count % White 8,443 60.3% Black or African American 1,503 10.7% Two or more races 1,394 10% Asian 1,084 7.7% Hispanic or Latino 1,072 7.7% Other race 424 3% American Indian / Alaska Native 88 0.6%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
38.8%
37.8%
43.4%
$50k – $100k
35.8%
33.3%
30.8%
$100k – $200k
22.7%
22.6%
19.3%
Over $200k
2.8%
6.3%
6.4%
Range % of households Under $10k 1.7% $10k–$15k 2.8% $15k–$25k 4.0% $25k–$35k 5.9% $35k–$50k 11.9% $50k–$75k 26.2% $75k–$100k 13.7% $100k–$150k 17.9% $150k–$200k 7.3% $200k+ 8.7% Median income $70,426
Housing
Housing overview
Metric Value Median home value $272,800 Median rent / month $1,371 Owner occupied 69.4% Renter occupied 30.6% Vacant 7.4% Single-family detached 75.9% Large apartment buildings 5.2% Mobile homes 5.0% Median rooms 5.4 Avg household size (owned) 2.62
Year built
Era % 2020 or later 0.3% 2010–2019 4.7% 2000–2009 13.4% 1990–1999 20.1% 1980–1989 22.6% 1970–1979 22.6% 1960–1969 14.4% 1950–1959 1.3% 1940–1949 0.1% 1939 or earlier 0.4%
Bedrooms
Size % of units No bedroom (studio) 0.2% 1 bedroom 3.6% 2 bedrooms 18.7% 3 bedrooms 57.8% 4 bedrooms 17.8% 5+ bedrooms 1.9%
Vehicles per household
Vehicles % of households No vehicle 2.7% 1 vehicle 32.2% 2 vehicles 41.1% 3 or more 24.1%
Heating fuel
Fuel type % Utility gas 27.1% Electricity 71.1% Propane / LP gas 0.9% Wood 0.2% No fuel used 0.4%
Households & families
Household type Count % Married-couple family 2,698 52.8% Cohabiting couple 420 8.2% Male householder, no spouse 1,126 22.1% Female householder, no spouse 862 16.9% Households with children under 18 1,228 24.1% Households with seniors (65+) 1,366 26.8% Average household size 2.53
Marital status
Status Male Female Never married 38.7% 29.5% Married 50.6% 52.1% Separated 0.3% 2.1% Widowed 1.0% 4.4% Divorced 9.4% 12.0%
Education
Some college, no degree
20.0%
Graduate / professional
11.6%
Metric % HS diploma or higher 94.3% Bachelor's or higher 40.3%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 246 9.9% Kindergarten 47 1.9% Elementary school 848 34.1% High school 727 29.2% College / grad school 618 24.9%
Employment
Industry of employment
Arts, food & hospitality
23.4%
Education & healthcare
17.1%
Professional & management
14.2%
Finance & real estate
8.6%
Public administration
8.1%
Transportation & utilities
2.4%
Occupation
Category % Management, business & arts 35.4% Service 24.3% Sales & office 21.9% Natural resources & construction 8.1% Production & transportation 10.2%
Employment type
Type % Private sector 73.7% Government 14.3% Self-employed 10.7% Unpaid family workers 1.3%
Commute
Method % Drive alone 78.5% Carpool 11.7% Public transit 0.0% Walk 0.0% Work from home 9.8% Other means 0.0% Avg commute (minutes) 24.3
Poverty
Married-couple families
1.7%
Female-led households
6.9%
Income support
Source % of households Social Security 28.2% Retirement income 30.8% Supplemental Security 3.2% Cash public assistance 2.2% Food stamps / SNAP 8.2%
Health indicators
Condition % Obesity 30.1% High blood pressure 30.9% High cholesterol 29.7% Diabetes 8.9% Heart disease 5.4% Stroke 2.6% Asthma 8.4% Arthritis 21.7% Kidney disease 2.5% Pulmonary disease 6.8% Cancer 5.8%
Behavior / access % Smoking 18.3% Binge drinking 17.1% No physical activity 22.3% Less than 7 hrs sleep 35.0% Depression 20.0% Fair or poor health 13.6% Poor mental health 15.8% Poor physical health 10.0% No health insurance 18.6% Visited doctor (checkup) 72.6% Visited dentist 61.6% Cholesterol screening 89.2% Teeth loss 13.3%
Veterans & disability
Veterans Count % Civilian veterans 2,056 21.0%
Disability % Any disability 16.7% Under 18 6.8% 18–64 years 15.0% 65 and over 35.5%
Health insurance coverage
Type % Private insurance 72.1% Public insurance 32.5% No insurance 12.0% Uninsured under 19 3.3%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 12,322 95.3% Spanish 429 3.5% Other Indo-European 75 0.6% Asian & Pacific Islander 118 1.0% Other languages 236 1.9%
Place of birth & citizenship
Origin Count % Native born (US) 12,045 93.1% Born in same state 11,543 89.2% Born in different state 2,961 22.9% Foreign born 502 3.9% Naturalized citizen 891 6.9% Not a US citizen 705 79.1%
Ancestry
Ancestry Count % Italian 1,294 10% French 1,292 10% Arab 762 5.9% Polish 143 1.1% Irish 132 1%
Ancestry Count % English 72 0.6% German 31 0.2% Norwegian 7 0.1% Dutch 7 0.1%
Technology access
Metric % of households Computer access 39.5% Internet access 97.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 32569
What city is ZIP code 32569 in?
ZIP code 32569 is primarily assigned to Mary Esther, Florida.
What county is ZIP code 32569 in?
ZIP code 32569 falls within Okaloosa County, Florida.
Does ZIP code 32569 have a large veteran population?
21% of civilians in ZIP code 32569 are veterans, above the national average of ~7%.
What is the population of ZIP code 32569?
ZIP code 32569 has an estimated population of 12,936 residents, with a density of 3,128 people per square mile.
What is the typical home value in ZIP code 32569?
The median home value in ZIP code 32569 is $272,800.
What is the median household income in ZIP code 32569?
The median household income in ZIP code 32569 is $70,426, below the national median of ~$75,000.
What timezone is ZIP code 32569 in?
ZIP code 32569 observes the CST timezone.
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