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ZIP Code 32541

Okaloosa, Florida

FIPS 32541

Juniper

ZIP Code 32541 is in the top 16% nationally for appreciation 1yr %, but in the bottom 8% nationally for price-to-income ratio. It also sits in the 94th percentile nationally for median rent. And it sits in the 92th percentile nationally for median home value.

Median Home Value

$597,900

Higher than 92% of U.S. ZIP codes

HPI Growth 5yr %

49%

Higher than 71% of U.S. ZIP codes

FEMA Risk Score

83.2

Higher than 74% of U.S. ZIP codes

The basics

Total Population

18,855

Median Age

42.6

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$597,900

Higher than 92%

Median Property Tax

$3,549

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

6.29

Higher than 92%

Median Rent

$2,044

Higher than 94%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

49%

Higher than 71%

Appreciation 1yr %

5.2%

Higher than 84%

Pandemic Gain %

51%

Recession Drop %

-41%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

90.2

Winter Avg Low (°F)

46.9

Avg Temperature (°F)

69.8

Hot Days/yr (>90°F)

50.3

Freezing Days/yr (<32°F)

5.7

Annual Precipitation (in)

55.4

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

83.2

Higher than 74%

EAL Flood/Coastal per $1K

0.04

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 32541: frequently asked questions

What is the median home value in ZIP Code 32541?
The median home value in ZIP Code 32541 is $597,900, higher than 92% of U.S. ZIP codes.
How much is property tax in ZIP Code 32541?
The median annual property tax in ZIP Code 32541 is $3,549, an effective rate of 1% of home value.
Is ZIP Code 32541 expensive to live in?
Homes in ZIP Code 32541 cost about 6.29× the median household income, higher than 92% of U.S. ZIP codes.
What is the average rent in ZIP Code 32541?
The median gross rent in ZIP Code 32541 is $2,044 a month, higher than 94% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 32541?
Home prices in ZIP Code 32541 have moved 49% over the past five years (5.2% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 32541?
ZIP Code 32541 averages 69.8°F year-round, summer highs near 90.2°F, winter lows around 46.9°F (NOAA 1991–2020 normals).
Is ZIP Code 32541 at risk of flooding or natural disasters?
ZIP Code 32541's FEMA National Risk Index score is 83.2 (higher than 74% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Expected annual loss from flooding is 0.04 per $1,000 of building value.

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