Zip Code 32548
Fort Walton Beach, Florida — Okaloosa County
📍 ZIP code 32548 is in Fort Walton Beach, Okaloosa County, Florida.
ZIP code 32548 is located in Fort Walton Beach, Okaloosa County, Florida. It is a zip code in the Eastern (EST/EDT) Time Zone with an estimated population of 23,209. The area code for ZIP code 32548 is 850.
Quick Answer
Zip code 32548 is in Fort Walton Beach, Florida (Okaloosa County). It has a population of 23,209, median household income of $63,857, and median home value of $291,000.
Population
23,209
Income
$63,857
Home Value
$291,000
Climate
91°F / 45°F
About Zip Code 32548
Zip code 32548 is located in Fort Walton Beach, Florida, within Okaloosa County. Home to approximately 23,209 residents, this area sits at an elevation of 5 ft and falls within the Eastern (EST/EDT) timezone. The local area code is 850.
The median household income is $63,857 per year, which is below the national median of $70,784. Homes in this zip code have a median value of $291,000, and the cost of living index is 91 (9% below the national average of 100).
Summers average a high of 91°F while winters drop to 45°F. The area receives about 55 in of rain annually. The zip code covers 12.9 square miles of land area and 9.2 square miles of water.
Key Statistics
23,209
$63,857
$291,000
Eastern (EST/EDT)
850
5 ft
12.9 sq mi
39.9
14,040
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Compare With Nearby Zip Codes
| Metric | 32548 | 32569 | 32544 | 32547 | 32579 | 32566 |
|---|---|---|---|---|---|---|
| City | Fort Walton Beach, FL | Mary Esther, FL | Mary Esther, FL | Fort Walton Beach, FL | Fort Walton Beach, FL | Navarre, FL |
| Population | 23,209 | 12,643 | 2,344 | 35,522 | 10,775 | 43,166 |
| Median Income | $63,857 | $73,762 | $41,917 | $67,822 | $98,014 | $99,501 |
| Home Value | $291,000 | $296,400 | $0 | $299,400 | $430,400 | $361,000 |
| Cost of Living | 91 | 96 | 81 | 91 | 133 | 123 |
| Median Age | 39.9 | 35.9 | 23.1 | 36 | 45.9 | 39.4 |
Cost of Living
100 = National Average. Fort Walton Beach's cost of living is 9% below the national average.
vs. State Avg
Below
Affordability
Affordable
Income-to-Home
4.6x
Demographics
Zip code 32548 has a population of 23,209 people with a median age of 39.9. There are 14,040 housing units in this area.
Racial & Ethnic Composition
Source: U.S. Census Bureau American Community Survey estimates.
Population History
Fort Walton Beach (32548) population trend from 2010 to 2024
↓ -35.4%Source: U.S. Census Bureau estimates and American Community Survey data.
Climate & Weather
91°F
45°F
55 in
0 in
Fort Walton Beach experiences hot summers with average highs around 91°F. Winters are mild with lows averaging 45°F. The area receives virtually no snowfall.
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Housing & Economy
Median Home Value
$291,000
Median Household Income
$63,857
With 14,040 housing units across 12.9 square miles, 32548 has a housing density of 1,088 units per square mile. The home price-to-income ratio is 4.6x.
Location & Geography
Latitude
30.3954°
Longitude
-86.7208°
Land Area
12.9 sq mi
Water Area
9.2 sq mi
Nearby Zip Codes
Zip codes closest to 32548 (Fort Walton Beach, FL) with distances:
All Zip Codes in Fort Walton Beach, FL
Other zip codes serving Fort Walton Beach:
ZIP Codes with Similar Income Nationwide
The five U.S. ZIP codes whose median household income is closest to 32548's $63,857. A way to compare Fort Walton Beach to economically similar communities elsewhere in the country.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
ZIP Codes with Similar Demographics
The five U.S. ZIP codes whose racial and ethnic composition most closely matches 32548 (Fort Walton Beach, FL). Similarity is measured by cosine distance on the five-category ACS demographic vector.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
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People Also Ask
What zip code is Fort Walton Beach, Florida?
Fort Walton Beach, Florida uses zip code 32548 along with 2 other zip codes.
What county is zip code 32548 in?
Zip code 32548 is located in Okaloosa County, Florida.
What is the population of zip code 32548?
The population of zip code 32548 is 23,209 with a median age of 39.9.
Is 32548 in Fort Walton Beach, Florida?
Yes, zip code 32548 is in Fort Walton Beach, Okaloosa County, Florida. The area code is 850.
Frequently Asked Questions
What city is zip code 32548 in?
Zip code 32548 is in Fort Walton Beach, Florida. It is part of Okaloosa County and uses the Eastern (EST/EDT) timezone.
What is zip code 32548?
Zip code 32548 is a U.S. postal code in Fort Walton Beach, Florida (Okaloosa County). It has a population of 23,209 and covers 12.9 square miles.
What is the population of zip code 32548?
The population of zip code 32548 (Fort Walton Beach, FL) is 23,209 with a median age of 39.9. There are approximately 14,040 housing units in this area.
What is the median income in zip code 32548?
The median household income in zip code 32548 (Fort Walton Beach, FL) is $63,857 per year. The cost of living index is 91 (100 = national average).
What is the average home price in zip code 32548?
The median home value in zip code 32548 (Fort Walton Beach, FL) is $291,000. The cost of living index is 91 compared to the national average of 100.
What county is zip code 32548 in?
Zip code 32548 is located in Okaloosa County, Florida. The primary city is Fort Walton Beach.
What is the area code for zip code 32548?
Zip code 32548 in Fort Walton Beach, FL uses area code 850. It is located in the Eastern (EST/EDT) timezone.
Is zip code 32548 a good place to live?
Zip code 32548 (Fort Walton Beach, FL) has a cost of living index of 91 (100 = national average), a median household income of $63,857, and median home values of $291,000. The median age is 39.9. Visit the full page for demographics, climate, and nearby zip code comparisons.
What is the cost of living in zip code 32548?
The cost of living index for zip code 32548 (Fort Walton Beach, FL) is 91, where 100 represents the national average. This area is below the national average. Median home value: $291,000.
What schools serve zip code 32548?
Zip code 32548 in Fort Walton Beach, Florida is served by the local school district of Okaloosa County. For specific school information, check your state's department of education or GreatSchools.org.
All demographic data on this page is sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code boundary and delivery data is sourced from the United States Postal Service (USPS). Data is updated periodically and may not reflect the most current figures. Census Bureau ZIP Code Tabulation Areas (ZCTAs) may differ slightly from USPS ZIP code boundaries.
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Data Sources
- Population, income, housing, age, and demographics
- U.S. Census Bureau, American Community Survey 5-Year Estimates, 2019-2023 vintage.
- ZIP to city and county mapping
- USPS and HUD-USPS ZIP-County Crosswalk.
- Time zones and area codes
- IANA tz database and NANPA.
- Elevation
- U.S. Geological Survey National Elevation Dataset (NED), via the USGS Elevation Point Query Service. Mapped to each ZCTA centroid coordinates. Last refreshed 2026-05-19.
- Last refreshed
- 2026-05-18.