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ZIP Code 32539

Okaloosa, Florida

FIPS 32539

Juniper

ZIP Code 32539 is in the top 29% nationally for HPI growth 5yr %, but in the bottom 23% nationally for FEMA risk score. It also sits in the 80th percentile nationally for median rent. And it sits in the bottom 28% nationally for price-to-income ratio.

Median Home Value

$286,200

Higher than 68% of U.S. ZIP codes

HPI Growth 5yr %

48%

Higher than 71% of U.S. ZIP codes

FEMA Risk Score

84.6

Higher than 77% of U.S. ZIP codes

The basics

Total Population

33,290

Median Age

35.7

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$286,200

Higher than 68%

Median Property Tax

$1,634

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.85

Higher than 72%

Median Rent

$1,391

Higher than 80%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

48%

Higher than 71%

Appreciation 1yr %

-0.32%

Higher than 65%

Pandemic Gain %

62%

Recession Drop %

-37%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

91.7

Winter Avg Low (°F)

40.2

Avg Temperature (°F)

67

Hot Days/yr (>90°F)

97.5

Freezing Days/yr (<32°F)

38.5

Annual Precipitation (in)

63.6

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

84.6

Higher than 77%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 32539: frequently asked questions

What is the median home value in ZIP Code 32539?
The median home value in ZIP Code 32539 is $286,200, higher than 68% of U.S. ZIP codes.
How much is property tax in ZIP Code 32539?
The median annual property tax in ZIP Code 32539 is $1,634, an effective rate of 1% of home value.
Is ZIP Code 32539 expensive to live in?
Homes in ZIP Code 32539 cost about 3.85× the median household income, higher than 72% of U.S. ZIP codes.
What is the average rent in ZIP Code 32539?
The median gross rent in ZIP Code 32539 is $1,391 a month, higher than 80% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 32539?
Home prices in ZIP Code 32539 have moved 48% over the past five years (-0.32% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 32539?
ZIP Code 32539 averages 67°F year-round, summer highs near 91.7°F, winter lows around 40.2°F (NOAA 1991–2020 normals).
Is ZIP Code 32539 at risk of flooding or natural disasters?
ZIP Code 32539's FEMA National Risk Index score is 84.6 (higher than 77% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →