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US ZIP Code Profile

ZIP Code 32548
Fort Walton Beach, Florida

ZIP code 32548 is in Fort Walton Beach, located in Okaloosa County, Florida, within the Crestview-Fort Walton Beach-Destin metro area. Its 2020 Census population was 22,399. The estimated median adjusted gross income per tax return is $42,863, and about 5% of filers report $200,000 or more.

2020 Population
22,399
Census ZCTA
County
Okaloosa
FIPS 12091
Median income (est.)
$42,863
IRS SOI 2022
Land Area
12.948 mi²
+ 9.182 mi² water

01Location & Geography

Authoritative geographic identifiers from the U.S. Census Bureau, ANSI, and FIPS standards.

Primary CityFort Walton Beach, FL
CountyOkaloosa County (FIPS 12091)
StateFlorida (FIPS 12)
Metro Area (MSA)Crestview-Fort Walton Beach-Destin, FL Metro Area (18880)
Census Region / DivisionSouth Region · South Atlantic Division
Coordinates30.39543, -86.72081
Land / Water Area12.948 mi² land · 9.182 mi² water

02Income & Economics

Distribution of the 11,110 individual tax returns filed in 32548 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
29.6%
$25K–$50K
28.5%
$50K–$75K
14.7%
$75K–$100K
8.9%
$100K–$200K
13.0%
$200K+
5.3%
The $200,000+ bracket accounts for 40% of 32548's total adjusted gross income, from 5% of returns — a concentration that drives the gap between the median ($42,863) and the average.
Estimated median = median adjusted gross income per tax return, interpolated from IRS SOI brackets. Differs from U.S. Census household income.

03Income Over Time

Year-over-year change in 32548's IRS income metrics, 2020–2022.

Median income (2021→2022)
$42,863
▲ 4.3%
Filers earning $200K+
5.3%
▲ 0.4 pt
Total filers
11,110
▼ 0.2%
GET /zipc/v2/zipcodes/32548/soi?year=… $37K 2020 $41K 2021 $43K 2022
Median = adjusted gross income per return, interpolated from IRS SOI brackets. Figures are nominal (not inflation-adjusted).

04Population Trend

Decennial U.S. Census population for the 32548 ZCTA.

2000
22,039
 
2010
19,343
▼ -12.2%
2020
22,399
▲ +15.8%

05Nearby ZIP Codes — Live Radius Search

Drag the slider to filter ZIP codes by distance from 32548. Powered by the same radius endpoint developers call from the API.

GET /zipc/v2/radius

ZIP codes within range of 32548

Fort Walton Beach and its immediate neighbors, sorted by distance.

3 mi
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Distance from 32548 to any ZIP

Enter a 5-digit ZIP to calculate the distance.

06USPS Postal Details

Delivery and facility attributes from the monthly USPS dataset.

ZIP ClassificationNon-Unique Zip
Facility TypePost Office
Carrier Route SortD
USPS Finance Number113120
City AliasesCinco Bayou, Fort Walton Beach, Ft Walton Beach, Ft Walton Bch, West Destin, Okaloosa Island, Okaloosa Is

07Frequently Asked Questions

What county is ZIP code 32548 in?

ZIP code 32548 is in Okaloosa County, Florida (county FIPS code 12091).

What city is ZIP code 32548?

The primary USPS city for 32548 is Fort Walton Beach, FL.

What metro area (MSA) is 32548 in?

32548 is part of the Crestview-Fort Walton Beach-Destin, FL Metro Area (MSA code 18880).

What is the population of ZIP code 32548?

The 2020 Census population of 32548 was 22,399 residents.

What is the median income in ZIP code 32548?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 32548 is about $42,863, with around 5% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.