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Area data

Fort Walton Beac, FL — ZIP 32547

Population: 35,527 (Census ACS)

The typical home value in ZIP 32547 (Fort Walton Beac, FL) is $314,247 — up 0.9% over the past year. Homes sell for a median $348,000 after a median 54 days on market. Typical rent runs $1,814/month. 6 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with hurricane, lightning, tornado the top-rated hazards. Cost of living is 3.4% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$314,247

Typical home value

+0.9%

1-year change

54

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Typical home value
$314,247
1-year appreciation
+0.9%
3-year appreciation
-4.0%
5-year appreciation
+12.0%
10-year appreciation
+76.9%
Peak value since 2000 (May 2024)
$328,854
House Price Index (state)
552.0 (+0.9% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$348,000
Median list price
$330,500
Median price per sqft
$217
1-year sale-price change
+1.2%
Median days on market
54 days
Homes sold (recent period)
134
For-sale inventory
200
Sale-to-list ratio
98.1%
Active listings
166
1-year forecast
+0.1%
Days to pending
62 days
New listings (monthly)
53

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,814/mo
1-year rent change
+4.3%
Studio fair-market rent
$1,421/mo
1BR fair-market rent
$1,706/mo
2BR fair-market rent
$1,908/mo
3BR fair-market rent
$2,616/mo
4BR fair-market rent
$3,189/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average)
103.4 (100 = US avg)
Electricity rate (state-level)
15.2¢/kWh
Natural gas rate (state-level)
$25.50/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
6
Elementary schools
3
Middle schools
1
High schools
2
Charter schools
1
Avg student-teacher ratio
18.0 : 1
Schools include
W. C. PRYOR MIDDLE SCHOOL, WRIGHT ELEMENTARY SCHOOL, CHOCTAWHATCHEE SENIOR HIGH SCHOOL, KENWOOD ELEMENTARY SCHOOL, OKALOOSA TECHNICAL COLLEGE

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
hurricane, lightning, tornado, coastal flooding, cold wave
Notable hazard ratings (county)
hurricane: Very High · lightning: Very High · tornado: Relatively High · cold wave: Relatively Moderate · heat wave: Relatively Moderate · strong wind: Relatively Moderate
Most common flood zone among NFIP claims
Zone X
NFIP flood claims on record
612
Wildfire risk to homes (county)
Higher than 75% of US counties
Buildings in wildfire direct-exposure zone
36.7%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
70.0°F
Average high
77.0°F
Average low
63.0°F
Annual precipitation
63.8 in
USDA plant hardiness zone
9a (extreme annual low 20 to 25°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
36
Days with Good air quality
338
Days with Moderate air quality
22
Highest AQI recorded (year)
84

Source: EPA annual air quality index (county-level)

Walkability & transit

Walkability index
12.2 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
16,270
Jobs reachable by transit (45 min)
12,753

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Gulf Islands National Seashore (35 mi)
Airports within 30 mi
26
Nearest airport
Hurlburt Field (4 mi)
Nearest major airport
Hurlburt Field (4 mi)
Hospitals in or near this ZIP
1
Hospitals include
HCA FLORIDA FORT WALTON-DESTIN HOSPITAL
Avg hospital rating (CMS)
3.0 / 5
Best hospital rating nearby (CMS)
3.0 / 5
Solar radiation rating
Good (4.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
+1,022 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1985
Housing built before 1970
21.8%
Housing built 2000 or later
23.3%
Median annual property tax
$1,794
Mean commute to work
22 min
Households with broadband internet
79.9%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
72,415
Average weekly wage
$1,170
Top industries (by employment)
Accommodation & Food, Professional Services, Health Care
Annual residential building permits (county)
1,057

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 32547State medianUS median
Typical home value$314,247$343,854$288,527
Median sale price$348,000$359,990$325,000
Median days on market54 days72 days51 days
Typical rent$1,814/mo$2,085/mo$1,809/mo
Median annual property tax$1,794$2,388$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 32547?
$314,247.
What is the median sale price in ZIP 32547?
$348,000.
How long do homes take to sell in ZIP 32547?
Median days on market: 54 days.
What is typical rent in ZIP 32547?
Typical rent: $1,814/month.
What is the natural-hazard risk in ZIP 32547?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hurricane, lightning, tornado, coastal flooding, cold wave.
Is ZIP 32547 in a flood zone?
Flood zones vary by property within ZIP 32547. 612 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is X. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 32547?
Risk to homes is higher than 75% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 32547?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 32547?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 32547?
6 schools (3 elementary, 1 middle, 2 high) (NCES, 2024-25).
Is ZIP 32547 walkable?
Walkability index: 12.2/20 (EPA Smart Location Database).
What is the air quality in ZIP 32547?
Good. Median AQI: 36. (EPA AQI).
What is the cost of living in ZIP 32547?
Regional Price Parity: 103.4 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

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