Fort Walton Beach ZIP Code List — Okaloosa County, FL

There are 3 unique ZIP codes in Fort Walton Beach, Florida. Area code: 850.

ZIP codes

41.07

sq mi land

7.89

sq mi water

850

area code

Fort Walton Beach, FL ZIP code map

About Fort Walton Beach, FL

Fort Walton Beach, Florida, is a vibrant coastal city located in the Sunshine State. Known for its beautiful white sandy beaches and clear emerald waters, it draws visitors from all over the country. This charming city is situated in Okaloosa County and offers a perfect blend of relaxation and adventure.

Location & geography

Fort Walton Beach is located in the northwestern part of Florida, close to the Gulf of Mexico. It is approximately 14 miles southwest of Destin, 25 miles northeast of Pensacola, and about 70 miles from Panama City. The city spans a total land area of 41.07 square miles and includes 7.89 square miles of water, showcasing its stunning coastal terrain.

Community & economy

The community in Fort Walton Beach is known for its friendly atmosphere and strong sense of local pride. The economy is driven by tourism, with many residents working in hospitality, retail, and military sectors, due to the presence of the nearby Eglin Air Force Base. Daily life is characterized by a laid-back lifestyle, with plenty of outdoor activities, festivals, and community events enhancing the appeal of the area.

Transportation

Fort Walton Beach is serviced by several major highways, including U.S. Route 98, which runs parallel to the coastline and connects to other nearby cities. The nearest airport is Northwest Florida Regional Airport, providing convenient travel options for visitors and residents alike. Public transit is limited, but ridesharing services are widely available throughout the area.

History

Fort Walton Beach was initially settled in the late 1800s and was officially incorporated in 1937, reflecting the growth of the local community. The city has historically relied on fishing, tourism, and military presence, particularly due to the establishment of Eglin Air Force Base in the surrounding region. Throughout the years, Fort Walton Beach has evolved into a popular destination for tourists seeking sun, sand, and recreational activities.

Did you know?

One surprising fact about Fort Walton Beach is that it hosts the annual Billy Bowlegs Pirate Festival, which includes parades, live music, and family-friendly activities. Additionally, the city is known for its excellent fishing opportunities, making it a favorite spot for anglers.

ZIP codes for Fort Walton Beach, FL (3)

ZIP code	City	County	Map
32547	Fort Walton Beach	Okaloosa	View map
32548	Fort Walton Beach	Okaloosa	View map
32549	Fort Walton Beach	Okaloosa	View map

Demographics & statistics

57,699

Population

38.1

Median age

$61,256

Median household income

$36,729

Per capita income

$271,300

Median home value

$1,252

Median monthly rent

57.5%

Home ownership

14.4%

Poverty rate

3.4%

Unemployment

19,627

Housing units

28.1%

Bachelor's or higher

Age distribution

Male Female

1,874

Under 5

1,818

1,543

5–9

1,497

1,546

10–14

1,500

1,445

15–19

1,401

1,835

20–24

1,779

4,864

25–34

4,717

3,930

35–44

3,812

3,319

45–54

3,219

1,960

55–59

1,901

1,894

60–64

1,837

2,748

65–74

2,665

1,756

75–84

1,703

577

85+

559

← Male

Female →

Age summary

Group	Count	%
Under 18	11,601	20.2%
18 and over	46,098	79.9%
65 and over	10,008	17.6%
Median age	38.1 years

Race & ethnicity

White 59.3%

Hispanic or Latino 11.2%

Two or more races 10.1%

Black or African American 9.9%

Other race 6%

Asian 3.2%

Native Hawaiian / Pacific Islander 0.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	38,531	59.3%
Hispanic or Latino	7,253	11.2%
Two or more races	6,560	10.1%
Black or African American	6,458	9.9%
Other race	3,881	6%
Asian	2,059	3.2%
Native Hawaiian / Pacific Islander	126	0.2%
American Indian / Alaska Native	84	0.1%

Household income

Under $10k 4.6%

$10k–$15k 3.3%

$15k–$25k 6.5%

$25k–$35k 9.6%

$35k–$50k 14.6%

$50k–$75k 22.5%

$75k–$100k 12.9%

$100k–$150k 14.5%

$150k–$200k 6.3%

$200k+ 5.5%

Range	% of households
Under $10k	4.6%
$10k–$15k	3.3%
$15k–$25k	6.5%
$25k–$35k	9.6%
$35k–$50k	14.6%
$50k–$75k	22.5%
$75k–$100k	12.9%
$100k–$150k	14.5%
$150k–$200k	6.3%
$200k+	5.5%
Median income	$61,256

Housing

Home values

Under $50k 3.9%

$50k–$100k 4.7%

$100k–$150k 6.7%

$150k–$200k 13.5%

$200k–$300k 30.0%

$300k–$500k 29.6%

$500k–$1M 9.7%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$271,300
Median rent / month	$1,252
Owner occupied	57.5%
Renter occupied	42.5%
Vacant	17.9%
Single-family detached	49.5%
Large apartment buildings	18.0%
Mobile homes	4.7%
Median rooms	5.0
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.1%
2010–2019	6.6%
2000–2009	14.1%
1990–1999	15.2%
1980–1989	18.5%
1970–1979	19.7%
1960–1969	15.6%
1950–1959	8.5%
1940–1949	1.2%
1939 or earlier	0.7%

Bedrooms

Size	% of units
No bedroom (studio)	2.8%
1 bedroom	11.1%
2 bedrooms	31.1%
3 bedrooms	39.8%
4 bedrooms	14.3%
5+ bedrooms	1.0%

Vehicles per household

Vehicles	% of households
No vehicle	5.0%
1 vehicle	42.3%
2 vehicles	37.2%
3 or more	15.5%

Heating fuel

Fuel type	%
Utility gas	26.1%
Electricity	70.7%
Propane / LP gas	1.9%
Wood	0.2%
Solar	0.2%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	10,258	40.9%
Cohabiting couple	1,772	6.8%
Male householder, no spouse	5,928	24.0%
Female householder, no spouse	7,164	28.4%
Households with children under 18	5,988	23.8%
Households with seniors (65+)	7,246	29.4%
Average household size	2.27

Marital status

Status	Male	Female
Never married	36.2%	26.0%
Married	47.2%	46.1%
Separated	1.6%	3.4%
Widowed	2.1%	8.8%
Divorced	12.9%	15.9%

Education

Less than 9th grade 4.3%

Some HS, no diploma 4.8%

HS graduate 27.0%

Some college, no degree 24.3%

Associate's degree 11.7%

Bachelor's degree 18.7%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	91.0%
Bachelor's or higher	28.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	549	5.2%
Kindergarten	885	8.0%
Elementary school	4,120	36.3%
High school	2,524	23.4%
College / grad school	3,195	27.3%

Employment

Industry of employment

Arts, food & hospitality 16.6%

Education & healthcare 16.3%

Professional & management 15.4%

Retail trade 11.7%

Construction 8.9%

Public administration 7.8%

Finance & real estate 6.1%

Other services 5.6%

Transportation & utilities 5.0%

Manufacturing 4.8%

Wholesale trade 1.6%

Information 0.5%

Occupation

Category	%
Management, business & arts	38.6%
Service	23.7%
Sales & office	17.8%
Natural resources & construction	8.7%
Production & transportation	11.1%

Employment type

Type	%
Private sector	77.9%
Government	15.3%
Self-employed	6.7%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	77.2%
Carpool	12.1%
Public transit	0.6%
Walk	1.8%
Other means	3.1%
Avg commute (minutes)	22.9

Poverty

All people 14.4%

Under 18 years 24.6%

18 and over 11.9%

Married-couple families 5.3%

Female-led households 28.1%

Income support

Source	% of households
Social Security	31.2%
Retirement income	27.8%
Supplemental Security	4.0%
Cash public assistance	1.7%
Food stamps / SNAP	9.4%

Health indicators

Condition	%
High blood pressure	34.5%
High cholesterol	30.5%
Heart disease	6.6%
Stroke	3.3%
Asthma	8.8%
Arthritis	24.5%
Kidney disease	3.0%
Pulmonary disease	8.1%
Cancer	6.6%

Behavior / access	%
Binge drinking	15.7%
No physical activity	24.8%
Less than 7 hrs sleep	35.4%
Fair or poor health	16.2%
Poor mental health	15.9%
Poor physical health	11.3%
No health insurance	19.8%
Visited doctor (checkup)	74.2%
Visited dentist	58.7%
Cholesterol screening	89.3%
Teeth loss	15.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	8,165	19.1%

Disability	%
Any disability	16.2%
Under 18	5.7%
18–64 years	13.8%
65 and over	36.2%

Health insurance coverage

Type	%
Private insurance	64.7%
Public insurance	36.5%
Uninsured under 19	12.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	54,007	93.7%
Spanish	4,180	7.6%
Other Indo-European	3,047	5.4%
Asian & Pacific Islander	390	0.7%
Other languages	743	1.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	50,364	87.5%
Born in same state	48,087	83.5%
Born in different state	16,995	29.9%
Foreign born	2,277	4.1%
Naturalized citizen	7,335	12.5%
Not a US citizen	2,744	38.3%

Ancestry

Ancestry	Count	%
French	5,842	10.1%
Italian	5,330	9.2%
Arab	3,473	6%
English	473	0.8%
German	339	0.6%

Ancestry	Count	%
Polish	327	0.6%
Irish	199	0.3%
Norwegian	86	0.1%
Dutch	53	0.1%

Technology access

Metric	% of households
Computer access	43.5%
Internet access	95.2%

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

Frequently asked questions

What ZIP codes does Fort Walton Beach, FL have?

Fort Walton Beach, FL has 2 ZIP codes: 32547, 32548. Each ZIP code serves a distinct delivery area within the city and surrounding region.

What is the main ZIP code for Fort Walton Beach, FL?

The primary ZIP code for Fort Walton Beach, FL is 32547. The city uses area code 850 for phone service.

What county is Fort Walton Beach, FL in?

Fort Walton Beach is located in Okaloosa County, Florida.

How many ZIP codes are in Fort Walton Beach, FL?

Fort Walton Beach, FL has 2 ZIP codes.

What ZIP code covers the downtown Fort Walton Beach area and the Boardwalk?

The downtown Fort Walton Beach area, including the famous Boardwalk along the Gulf of Mexico, is located in ZIP code 32548.

Which ZIP code includes the Eglin Air Force Base vicinity in Fort Walton Beach?

The area near Eglin Air Force Base in Fort Walton Beach is served by ZIP code 32547, which covers the western portion of the city.