ZIP Codes of Okaloosa County, FL

Population & People
Population & People
Total Population
219,979
Household Income
Household Income
Median Income
$79,546
Housing
Housing
Total Housing Units
105,485
Business & Economy
Business & Economy
Total Businesses
6,070
Employment
Employment
Employment Rate
55.09%
Education
Education
Bachelor's Degree+
34.51%
Source: U.S. Census ACS 2024 5-Year Estimates · rolled up across the 18 ZIPs in this county.
Data Last Updated: June 1, 2026
ZIP Codes:18 ZIP Codes (14 Standard, 4 PO Box, 0 Unique) [See All]
Area Codes:448 / 850
Timezone:Central (GMT -06:00)
Local Time:2:11:39 PM
Population:219,979 [See All]
FIPS:12091
CBSA:Crestview-Fort Walton Beach-Destin, FL
Land Area:1,101 sq mi
Water Area:38 sq mi
Coordinates:30.5719, -86.5872
Quick Link:
https://www.zip-codes.com/county/fl-okaloosa.asp
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Striking education divide
Bachelor's share spans 11.5% to 47.8% — a 36-point gap.

Standout ZIPs in this County


Most Populous
Fort Walton Beach · 35,527 people
16.2% of county total
Highest Income
Niceville · $108,972 median
1.4× county average
Largest Land Area
Baker · 229.9 sq mi
Spans the most ground
Fastest Growth
Laurel Hill · 70.1% (10-yr)
3,297 → 5,609 residents
Most Educated
Destin · 47.8% bachelor's+
6,774 of 14,179 adults 25+

Things worth knowing about Okaloosa County


219,979 residents live across 18 ZIPs covering 1,101 sq mi, served by 13 distinct USPS-recognized cities.

Population moved from 191,537 to 219,979 from 2014 to 2024 — a +14.8% change. 14 ZIPs gained residents, 0 lost.

The county's wealthiest ZIP 32578 (Niceville, $108,972 median) and poorest ZIP 32544 (Hurlburt Field, $47,865) are 14.6 miles apart — a 2.3× income gap across local geography.

Median home values vary 3.7× across this county — from $162,800 in 32564 (Holt) to $597,900 in 32541 (Destin).

Density varies 116× across the county — from 15 people/sq mi in 32564 (Holt) to 1,725 in 32548 (Fort Walton Beach).

Educational attainment ranges from 11.5% bachelor's+ in 32564 (Holt) to 47.8% in 32541 (Destin) — the breadth of educational profiles across the area.

Within Florida, this is the #26 most populous of 67 counties and ranks #20 for median household income with the #29 fastest decade growth .

Weighted by population, the typical household earns about $82,452 across the county — reflecting what a typical resident sees, not a simple ZIP average.

34.5% of adults age 25+ hold a bachelor's degree or higher (52,444 of 151,967 reporting).

14 Standard delivery, 4 PO Box only, 0 single-entity Unique ZIPs serve this county.

All ZIP Codes in Okaloosa County


ZIPCityTypePopulationMedian IncomeArea (sq mi)10-yr Growth
32547Fort Walton BeachStandard35,527$70,71176.50.5%
32578NicevilleStandard34,738$108,972136.111.3%
32539CrestviewStandard33,290$74,369129.128.8%
32536CrestviewStandard25,599$78,11982.122.3%
32548Fort Walton BeachStandard23,774$65,34213.816.6%
32541DestinStandard18,855$95,12411.014.2%
32569Mary EstherStandard12,063$77,71826.38.2%
32579ShalimarStandard10,506$104,5106.51.6%
32531BakerStandard7,314$84,992229.945.3%
32567Laurel HillStandard5,609$76,500157.370.1%
32580ValparaisoStandard4,194$91,64515.64.8%
32542Eglin AfbStandard3,578$77,90025.810.2%
32564HoltStandard2,676$59,875180.47.0%
32544Hurlburt FieldStandard2,256$47,86510.829.3%
32540DestinPO Box0.0
32549Fort Walton BeachPO Box0.0
32588NicevillePO Box0.0
32537MilliganPO Box0.0

Adjacent & Nearby Counties