Area data
Fort walton beac, FL — ZIP 32548
Population: 23,774 (Census ACS)
The median home value in ZIP 32548 (Fort walton beac, FL) is $341,402 — up 1.1% over the past year. Homes sell for a median $245,000 after a median 70 days on market. Typical rent runs $1,555/month. 10 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 1.0% above the US average (BEA, metro/state-level).
$341,402
Median home value
+1.1%
1-year change
70
Median days on market
Relatively Moderate
Hazard risk (county)
Home values & appreciation
- Median home value
- $341,402
- 1-year appreciation
- +1.1%
- 3-year appreciation
- -5.3%
- 5-year appreciation
- +10.5%
- 10-year appreciation
- +79.8%
- All-time peak (2022-08)
- $365,296
- House Price Index (state)
- 542.2 (-2.6% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $245,000
- Median list price
- $375,000
- Median price per sqft
- $201
- 1-year sale-price change
- +2.7%
- Median days on market
- 70 days
- Homes sold (recent period)
- 9
- For-sale inventory
- 324
- Sale-to-list ratio
- 92.1%
- Active listings
- 21
- 1-year forecast
- -0.4%
- Days to pending
- 93 days
- New listings (monthly)
- 61
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $1,555/mo
- 1-year rent change
- +0.9%
- Studio fair-market rent
- $1,098/mo
- 1BR fair-market rent
- $1,373/mo
- 2BR fair-market rent
- $1,624/mo
- 3BR fair-market rent
- $2,111/mo
- 4BR fair-market rent
- $2,436/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)
- 101.0 (100 = US avg)
- Electricity rate (state-level)
- 15.2¢/kWh
- Natural gas rate (state-level)
- $25.50/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 10
- Elementary schools
- 3
- Middle schools
- 1
- High schools
- 2
- Charter schools
- 2
- Schools include
- ANNETTE P. EDWINS ELEMENTARY SCHOOL, SILVER SANDS-EXCEP. CHILDREN, ELLIOTT POINT ELEMENTARY SCHOOL, FORT WALTON BEACH HIGH SCHOOL, MAX BRUNER JUNIOR MIDDLE SCHOOL
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Moderate
- Top hazards (county)
- hurricane, lightning, tornado, coastalFlooding, coldWave
- Notable hazard ratings (county)
- coastalFlooding: Relatively Moderate · coldWave: Relatively Moderate · earthquake: Relatively Low · heatWave: Relatively Moderate · hurricane: Very High · iceStorm: Relatively Low
- FEMA flood zone
- X
- Flood risk level
- Minimal
- 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
Sources: FEMA National Risk Index (county-level) · FEMA flood data (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
- 66.1 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)
- 37
- Days with Good air quality
- 218
- Days with Moderate air quality
- 23
- Highest AQI recorded (year)
- 84
Source: EPA air quality data (nearest monitoring station, annual)
Walkability & transit
- Walkability index
- 8.7 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 18,979
- Jobs reachable by transit (45 min)
- 12,626
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
- 19
- Nearest airport
- Hurlburt Field (3 mi)
- Nearest major airport
- Hurlburt Field (3 mi)
- Hospitals nearby (~15 mi)
- 3
- Hospitals include
- HCA FLORIDA TWIN CITIES HOSPITAL, HCA FLORIDA FORT WALTON-DESTIN HOSPITAL, SACRED HEART HOSPITAL ON THE EMERALD COAST
- Avg hospital rating (CMS)
- 3.7 / 5
- Best hospital rating nearby (CMS)
- 4.0 / 5
- Solar radiation rating
- Good (4.8 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +1,022 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,980
- Housing built before 1970
- 28.7%
- Housing built 2000 or later
- 22.6%
- Median annual property tax
- $1,771
- Mean commute to work
- 22 min
- Households with broadband internet
- 75.5%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 73,252
- Average weekly wage
- $1,093
- Top industries (by employment)
- Accommodation & Food, Professional Services, Health Care
- Annual residential building permits (county)
- 1,053
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 32548 | State median | US median | |
|---|---|---|---|
| Median home value | $341,402 | $346,549 | $289,727 |
| Median sale price | $245,000 | $359,990 | $325,000 |
| Median days on market | 70 days | 72 days | 51 days |
| Typical rent | $1,555/mo | $2,095/mo | $1,808/mo |
| Median annual property tax | $1,771 | $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 median home value in ZIP 32548?
- $341,402.
- What is the median sale price in ZIP 32548?
- $245,000.
- How long do homes take to sell in ZIP 32548?
- Median days on market: 70 days.
- What is typical rent in ZIP 32548?
- Typical rent: $1,555/month.
- What is the natural-hazard risk in ZIP 32548?
- Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hurricane, lightning, tornado, coastalFlooding, coldWave.
- Is ZIP 32548 in a flood zone?
- Minimal (FEMA NFIP). FEMA flood zone X.
- What is the wildfire risk in ZIP 32548?
- 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 32548?
- Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 32548?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 32548?
- 10 schools (3 elementary, 1 middle, 2 high) (NCES, 2022-23).
- Is ZIP 32548 walkable?
- Walkability index: 8.7/20 (EPA Smart Location Database).
- What is the air quality in ZIP 32548?
- Good. Median AQI: 37. (EPA AQI).
- What is the cost of living in ZIP 32548?
- Regional Price Parity: 101.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →