32578 ZIP Code — Niceville, FL

Okaloosa County, Florida

ZIP code 32578 is located in Niceville, Florida, within Okaloosa County. It covers approximately 23.38 square miles and serves a population of 34,022 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32578

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 $386,300. Owner-occupancy is high at 76%, well above the national average.

Median household income is $101,422. 32% 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. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

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

Overall, ZIP code 32578 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

34,022

population

23.38

sq mi land

Standard

ZIP type

Central (CT)

timezone

32578 ZIP code map

Cities in ZIP code 32578

Below are the cities the US Postal Service accepts for ZIP code 32578. Using any city not on this list may result in mail delivery delays.

City	Status
Niceville	Acceptable
Niceville	Preferred

Nearby ZIP codes

32580 Valparaiso (6.6 mi) 32541 Destin (9 mi) 32550 Miramar Beach (9.2 mi) 32579 Shalimar (11.4 mi) 32439 Freeport (14.4 mi) 32435 Defuniak Springs (14.9 mi) 32547 Fort Walton Beach (15.1 mi) 32548 Fort Walton Beach (17.3 mi) 32459 Santa Rosa Beach (17.8 mi) 32542 Eglin Afb (18.7 mi) 32539 Crestview (19.4 mi)

Demographics updated 05/2026

Population
Total population	34,022
Population density	1,455 / sq mi
State FIPS	12
County FIPS	091

Geography
Land area	23.38 sq mi
Water area	4.21 sq mi
Latitude	30.5184
Longitude	-86.3962
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	24.0%	37.8%	43.4%
$50k – $100k	31.5%	33.3%	30.8%
$100k – $200k	33.9%	22.6%	19.3%
Over $200k	10.5%	6.3%	6.4%

Demographics & statistics

34,022

Population

1,455

People per sq mi

41.3

Median age

$101,422

Median household income

$46,983

Per capita income

$386,300

Median home value

$1,682

Median monthly rent

76.2%

Home ownership

8.0%

Poverty rate

4.6%

Unemployment

11,369

Housing units

43.2%

Bachelor's or higher

Age distribution

Male Female

966

Under 5

1,007

1,058

5–9

1,102

1,238

10–14

1,290

904

15–19

941

895

20–24

932

1,740

25–34

1,813

2,208

35–44

2,300

1,949

45–54

2,031

1,286

55–59

1,340

1,281

60–64

1,335

1,924

65–74

2,005

968

75–84

1,009

245

85+

255

← Male

Female →

Age summary

Group	Count	%
Under 18	7,888	23.2%
18 and over	26,134	76.8%
65 and over	6,406	18.8%
Median age	41.3 years

Race & ethnicity

White 78.6%

Two or more races 5.7%

Hispanic or Latino 5.1%

Asian 4.2%

Black or African American 3.3%

Other race 2.7%

American Indian / Alaska Native 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	28,174	78.6%
Two or more races	2,051	5.7%
Hispanic or Latino	1,820	5.1%
Asian	1,491	4.2%
Black or African American	1,197	3.3%
Other race	980	2.7%
American Indian / Alaska Native	90	0.3%
Native Hawaiian / Pacific Islander	39	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.0%	37.8%	43.4%
$50k – $100k	31.5%	33.3%	30.8%
$100k – $200k	33.9%	22.6%	19.3%
Over $200k	10.5%	6.3%	6.4%

Under $10k 3.8%

$10k–$15k 1.2%

$15k–$25k 3.9%

$25k–$35k 6.6%

$35k–$50k 6.3%

$50k–$75k 13.3%

$75k–$100k 13.6%

$100k–$150k 23.2%

$150k–$200k 13.3%

$200k+ 14.7%

Range	% of households
Under $10k	3.8%
$10k–$15k	1.2%
$15k–$25k	3.9%
$25k–$35k	6.6%
$35k–$50k	6.3%
$50k–$75k	13.3%
$75k–$100k	13.6%
$100k–$150k	23.2%
$150k–$200k	13.3%
$200k+	14.7%
Median income	$101,422

Housing

Home values

Under $50k 2.2%

$50k–$100k 0.9%

$100k–$150k 2.0%

$150k–$200k 5.5%

$200k–$300k 21.3%

$300k–$500k 41.9%

$500k–$1M 23.1%

$1M+ 3.2%

Housing overview

Metric	Value
Median home value	$386,300
Median rent / month	$1,682
Owner occupied	76.2%
Renter occupied	23.8%
Vacant	9.8%
Single-family detached	82.2%
Large apartment buildings	2.5%
Mobile homes	2.6%
Median rooms	6.2
Avg household size (owned)	2.52

Year built

Era	%
2020 or later	1.7%
2010–2019	12.0%
2000–2009	13.6%
1990–1999	19.8%
1980–1989	28.1%
1970–1979	15.8%
1960–1969	4.4%
1950–1959	3.5%
1940–1949	0.5%
1939 or earlier	0.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	2.0%
2 bedrooms	16.4%
3 bedrooms	48.9%
4 bedrooms	27.0%
5+ bedrooms	5.0%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	24.0%
2 vehicles	47.9%
3 or more	26.1%

Heating fuel

Fuel type	%
Utility gas	37.6%
Electricity	60.7%
Propane / LP gas	0.7%
Wood	0.2%
Solar	0.1%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	8,483	64.9%
Cohabiting couple	606	4.6%
Male householder, no spouse	1,345	10.3%
Female householder, no spouse	2,631	20.1%
Households with children under 18	4,094	31.3%
Households with seniors (65+)	4,352	33.3%
Average household size	2.60

Marital status

Status	Male	Female
Never married	25.7%	20.3%
Married	64.1%	60.1%
Separated	1.0%	0.9%
Widowed	2.7%	7.4%
Divorced	6.5%	11.3%

Education

Less than 9th grade 0.8%

Some HS, no diploma 2.3%

HS graduate 21.6%

Some college, no degree 21.7%

Associate's degree 10.4%

Bachelor's degree 21.4%

Graduate / professional 21.9%

Metric	%
HS diploma or higher	96.9%
Bachelor's or higher	43.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	454	5.4%
Kindergarten	494	5.9%
Elementary school	3,685	44.1%
High school	1,700	20.3%
College / grad school	2,029	24.3%

Employment

Industry of employment

Education & healthcare 20.3%

Arts, food & hospitality 13.4%

Public administration 12.8%

Professional & management 12.5%

Retail trade 11.5%

Finance & real estate 9.7%

Construction 6.3%

Manufacturing 4.4%

Transportation & utilities 3.2%

Other services 2.8%

Information 1.6%

Wholesale trade 1.5%

Occupation

Category	%
Management, business & arts	51.4%
Service	15.0%
Sales & office	21.4%
Natural resources & construction	6.6%
Production & transportation	5.5%

Employment type

Type	%
Private sector	68.0%
Government	26.1%
Self-employed	5.9%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	77.7%
Carpool	9.0%
Public transit	0.1%
Walk	1.5%
Work from home	10.4%
Other means	1.2%
Avg commute (minutes)	25.7

Poverty

All people 8.0%

Under 18 years 13.7%

18 and over 6.2%

Married-couple families 2.8%

Female-led households 34.1%

Income support

Source	% of households
Social Security	31.7%
Retirement income	36.2%
Supplemental Security	3.4%
Cash public assistance	0.7%
Food stamps / SNAP	3.0%

Health indicators

Condition	%
Obesity	28.8%
High blood pressure	33.0%
High cholesterol	32.9%
Diabetes	9.2%
Heart disease	6.1%
Stroke	2.8%
Asthma	8.1%
Arthritis	24.4%
Kidney disease	2.7%
Pulmonary disease	6.9%
Cancer	7.3%

Behavior / access	%
Smoking	15.0%
Binge drinking	16.0%
No physical activity	19.7%
Less than 7 hrs sleep	32.4%
Depression	19.1%
Fair or poor health	12.3%
Poor mental health	14.0%
Poor physical health	9.6%
No health insurance	14.4%
Visited doctor (checkup)	74.7%
Visited dentist	67.3%
Cholesterol screening	92.1%
Teeth loss	10.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	6,231	24.7%

Disability	%
Any disability	12.2%
Under 18	3.7%
18–64 years	8.7%
65 and over	33.0%

Health insurance coverage

Type	%
Private insurance	80.5%
Public insurance	30.3%
No insurance	6.9%
Uninsured under 19	6.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	32,049	94.2%
Spanish	892	2.8%
Other Indo-European	365	1.1%
Asian & Pacific Islander	190	0.6%
Other languages	337	1.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	31,472	92.5%
Born in same state	28,934	85.0%
Born in different state	8,301	24.4%
Foreign born	2,538	7.5%
Naturalized citizen	2,550	7.5%
Not a US citizen	1,830	71.8%

Ancestry

Ancestry	Count	%
French	4,917	14.5%
Italian	4,161	12.2%
Arab	2,263	6.7%
English	444	1.3%
Polish	373	1.1%

Ancestry	Count	%
Irish	252	0.7%
Dutch	213	0.6%
Norwegian	110	0.3%
German	104	0.3%

Technology access

Metric	% of households
Computer access	38.4%
Internet access	96.6%

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

Frequently asked questions about ZIP code 32578

What city is ZIP code 32578 in?

ZIP code 32578 is primarily assigned to Niceville, Florida.

What county is ZIP code 32578 in?

ZIP code 32578 falls within Okaloosa County, Florida.

Does ZIP code 32578 have a large veteran population?

25% of civilians in ZIP code 32578 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 32578?

The median home value in ZIP code 32578 is $386,300.

What is the population of ZIP code 32578?

ZIP code 32578 has an estimated population of 34,022 residents, with a density of 1,455 people per square mile.

What is the median household income in ZIP code 32578?

The median household income in ZIP code 32578 is $101,422, above the national median of ~$75,000.

What timezone is ZIP code 32578 in?

ZIP code 32578 observes the CST timezone.