Okaloosa County · Florida
ZIP code 32531
- Population
- 7,445
- Median income
- $81,313
- Median home
- $291,700
- Sales tax
- 6%
ZCTA residents
Household, past 12 months
Owner-occupied value
Florida state rate
Quick answer
ZIP 32531 sits in Okaloosa County, Florida and is home to 7,445 people. Median household income is $81,313, the median home is worth $291,700 and median gross rent is $888. 83.8% of households own their home, and purchases are taxed at 6% (Florida state rate).
- County
- Okaloosa County
- State
- Florida (FL)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 12091
1,013 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 32531
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 7,445ZIP 32531 residents
- Median household income
- $81,313Past 12 months, inflation adjusted
- Median home value
- $291,700Owner-occupied units
- Median gross rent
- $888Rent plus utilities, monthly
- Median age
- 44.5 yrsAll residents
- Homeownership rate
- 83.8%Owner-occupied households
Sales tax in 32531
What a purchase inside this ZIP costs at checkout.
Florida levies 6% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 32531 compares
ZIP 32531 against the median ZIP in Okaloosa County and across Florida.
| Measure | ZIP 32531 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $81,313 | $73,762 | $69,820 | +16% |
| Median home value | $291,700 | $296,400 | $295,700 | -1% |
| Median gross rent | $888 | $1,439 | $1,494 | -41% |
| Population | 7,445 | 12,643 | 18,904 | -61% |
Medians are computed across the 13 ZIP areas in Okaloosa County and the 1013 ZIP areas in Florida.
Statewide rank
Where this ZIP places among all 1013 Florida ZIP areas.
- Income
- #298
- Home value
- #486
- Population
- #749
richer than 69% of 948 state ZIPs
above 48% of 935 state ZIPs
larger than 26% of 1,013 state ZIPs
Comparable ZIP codes
Florida ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Okaloosa County.
ZIP 32531 questions
Common questions about this ZIP code.
- Where is ZIP code 32531?
- ZIP 32531 lies mostly in Okaloosa County, Florida. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 32531?
- Florida charges 6% statewide, plus any county, city or district rate that applies locally.
- Is 32531 expensive to live in?
- Median rent runs $888 a month, about 13% of median household income, and the median home is worth $291,700 — -1% against the typical Florida ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- Florida Department of Revenue — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.