ZIP Code 32539 Demographics

Okaloosa County, Florida  ·  ACS 2022 5-Year Estimates

ACS 2022 Data

Population & Income Overview

Key statistics for ZIP code 32539 compared to county averages.

Total Population

31,392

↓ 85.2% vs county

Median HH Income

$68,183

↓ 7.8% vs county

Median Home Value

$241,300

↓ 18.3% vs county

Median Age

35.1 yrs

↑ 5.4% vs county

Unemployment Rate

2.6%

↑ 12.2% vs county

Income & Housing Comparison

How ZIP 32539 compares to Okaloosa County and Florida overall. Data from ACS 2022 5-year estimates.

Median Household Income ZIP 32539 $68k Okaloosa $74k Florida $68k

Source: ACS 2022 5-Year Estimates, Table B19013

Median Home Value ZIP 32539 $241k Okaloosa $295k Florida $292k

Source: ACS 2022 5-Year Estimates, Table B25077

Education & Employment

Bachelor's Rate

15.0%

of adults 25+ hold a bachelor's degree or higher

Owner Occupancy

77.6%

of occupied housing units are owner-occupied

Median Gross Rent

$1,210

per month including utilities

Rent vs. Buy Affordability

Compare estimated monthly costs of home ownership vs renting in ZIP Code 32539 using local Census metrics.

Median Home Value$241,300
Down Payment (20%)$48,260
Interest Rate6.5%
Loan Term

Estimated Monthly Costs

Buy (Mortgage, Tax, Ins.)
$1,531P&I: $1220 | Tax: $241 | Ins: $70
Rent (Local Median)
$1,210
Renting is CheaperRenting is estimated to save you $321/month compared to buying costs.

How Does 32539 Compare?

Enter another ZIP code to see a side-by-side comparison.

Location & Neighboring Areas

Interactive map showing ZIP code 32539 (blue pin) and surrounding areas (purple pins). Click pins to view details.

Nearby ZIP Codes

ZIP codes geographically closest to 32539, sorted by distance.

32567 10.5 mi away okaloosa county 32433 16.3 mi away walton county 32435 21.4 mi away walton county 32455 31.0 mi away walton county 32427 39.5 mi away washington county

About Okaloosa County

Okaloosa County is located in Florida and has a total population of 212,021. The county's median household income is $73,988 and median home value is $295,400. ZIP code 32539 is one of many ZCTAs within this county.

View all ZIP codes in Okaloosa County

Data source: American Community Survey (ACS) 2022 5-Year Estimates, U.S. Census Bureau. ZCTAs (ZIP Code Tabulation Areas) are used as proxies for USPS ZIP codes. Some USPS ZIP codes may not have a corresponding ZCTA.