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ZIP Code 32578

Okaloosa, Florida

FIPS 32578

Juniper

ZIP Code 32578 is in the top 36% nationally for HPI growth 5yr %, but in the bottom 16% nationally for FEMA risk score. It also sits in the 91th percentile nationally for median rent. And it sits in the 85th percentile nationally for median home value.

Median Home Value

$447,700

Higher than 85% of U.S. ZIP codes

HPI Growth 5yr %

42%

Higher than 64% of U.S. ZIP codes

FEMA Risk Score

89.3

Higher than 84% of U.S. ZIP codes

The basics

Total Population

34,738

Median Age

43.1

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$447,700

Higher than 85%

Median Property Tax

$2,868

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

4.11

Higher than 76%

Median Rent

$1,863

Higher than 91%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

42%

Higher than 64%

Appreciation 1yr %

-2.5%

Higher than 61%

Pandemic Gain %

42%

Recession Drop %

-29%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

89.3

Winter Avg Low (°F)

39.9

Avg Temperature (°F)

66.2

Hot Days/yr (>90°F)

52.3

Freezing Days/yr (<32°F)

36.2

Annual Precipitation (in)

66

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

89.3

Higher than 84%

EAL Flood/Coastal per $1K

0.02

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 32578: frequently asked questions

What is the median home value in ZIP Code 32578?
The median home value in ZIP Code 32578 is $447,700, higher than 85% of U.S. ZIP codes.
How much is property tax in ZIP Code 32578?
The median annual property tax in ZIP Code 32578 is $2,868, an effective rate of 1% of home value.
Is ZIP Code 32578 expensive to live in?
Homes in ZIP Code 32578 cost about 4.11× the median household income, higher than 76% of U.S. ZIP codes.
What is the average rent in ZIP Code 32578?
The median gross rent in ZIP Code 32578 is $1,863 a month, higher than 91% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 32578?
Home prices in ZIP Code 32578 have moved 42% over the past five years (-2.5% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 32578?
ZIP Code 32578 averages 66.2°F year-round, summer highs near 89.3°F, winter lows around 39.9°F (NOAA 1991–2020 normals).
Is ZIP Code 32578 at risk of flooding or natural disasters?
ZIP Code 32578's FEMA National Risk Index score is 89.3 (higher than 84% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Expected annual loss from flooding is 0.02 per $1,000 of building value.

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