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32544 Zip Code Detailed Profile

 



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Okaloosa County, FL
Zip code population (2000): 3,093
Estimated zip code population in 2007: 3,532



Age and Sex of Residents in zip code 32544


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32544 map from a distance

Houses and condos: 734
Renter-occupied apartments: 682
% of renters here:  98%
State:  30%

2008 cost of living index in zip code 32544: 75.0 (low, U.S. average is 100)

Land area: 252.4 sq. mi.
Water area: 0.2 sq. mi.
Population density: 14 people per square mile 
 
 (very low).

List your B&M business here for free. Over a million visitors/week. Get a huge advantage over your competition

Males: 1,769  (57.2%)
Females: 1,324  (42.8%)

Zip code 32544 races chart


32544, FL forum
Discuss zip code 32544 area on our local forum with over 700,000 registered users
Urban population: 2,901
Rural population: 192

Estimated median house/condo value in 2007: $49,442
32544:  $49,442
Florida:  $230,400

According to our research of public records there were no registered sex offenders living in this zip code in early 2007.

Median resident age:  22.3 years
Florida median age:  38.7 years

Average household size:
This zip code:  3.4 people
Florida:  2.5 people

Averages for the 2004 tax year for zip code 32544, filed in 2005:
Average Adjusted Gross Income (AGI) in 2004: $25,037 (Individual Income Tax Returns)
Here:  $25,037
State:  $50,523

Salary/wage: $24,862 (reported on 99.2% of returns)
Here:  $24,862
State:  $39,563
(% of AGI for various income ranges: 95.5% for AGIs below $10k, 99.6% for AGIs $10k-25k, 98.9% for AGIs $25k-50k, 98.6% for AGIs $50k-75k, 93.3% for AGIs $75k-100k, 96.4% for AGIs over 100k)

Taxable interest for individuals: $244 (reported on 18.9% of returns)
This zip code:  $244
Florida:  $3,211
(% of AGI for various income ranges: 0.1% for AGIs below $10k, 0.0% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.3% for AGIs over 100k)

Taxable dividends: $495 (reported on 7.9% of returns)
Here:  $495
State:  $6,129
(% of AGI for various income ranges: 0.0% for AGIs $10k-25k, 0.1% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 0.4% for AGIs over 100k)

Net capital gain/loss: +$1,688 (reported on 5.6% of returns)
Here:  +$1,688
State:  +$27,205

Profit/loss from business: +$3,389 (reported on 1.6% of returns)
Here:  +$3,389
State:  +$10,634

IRA payment deduction: $2,583 (reported on 1.0% of returns)
32544:  $2,583
Florida:  $3,082

Total itemized deductions: $14,224 (2% of AGI, reported on 5.8% of returns)
Here:  $14,224
State:  $20,370

Charity contributions deductions: $3,098 (4.9% of AGI, reported on 4.5% of returns)
Here:  $3,098
Florida:  $4,064

Here:  4.9% of AGI
State:  3.8% of AGI

Total tax: $1,627 (reported on 77.0% of returns)
32544:  $1,627
State:  $9,431
(% of AGI for various income ranges: 1.1% for AGIs below $10k, 4.2% for AGIs $10k-25k, 3.4% for AGIs $25k-50k, 5.5% for AGIs $50k-75k, 9.2% for AGIs $75k-100k, 14.1% for AGIs over 100k)

Earned income credit: $1,934 (reported on 14.6% of returns)
Here:  $1,934
State:  $1,808

Percentage of individuals using paid preparers for their 2004 taxes: 57.2%
Here:  57%
State:  60%
(% for various income ranges: 56.3% for AGIs below $10k, 59.0% for AGIs $10k-25k, 58.1% for AGIs $25k-50k, 53.2% for AGIs $50k-75k, 45.5% for AGIs $75k-100k)


Estimated median household income in 2007: $39,607
This zip code:  $39,607
Florida:  $47,804
32544 map

Nearest zip codes: 32547, 32548, 32579, 32569, 32542, 32580.


Percentage of family households:
This zip code:  97.1%
Whole state:  66.4%

Percentage of households with unmarried partners:
This zip code:  0.7%
Whole state:  5.8%

Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
  • Lesbian couples: 0.1% of all households
  • Gay men: 0.1% of all households

Housing units in zip code 32544 with a mortgage: 0 (0 second mortgage, 0 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 0


Median monthly owner costs for units with a mortgage: $0

Median monthly owner costs for units without a mortgage: $0

Residents with income below the poverty level in 2007:
This zip code:  5.8%
Whole state:  12.1%

Residents with income below 50% of the poverty level in 2007:
This zip code:  0.9%
Whole state:  5.0%

Median number of rooms in houses and condos:
Here:  6.0
State:  5.6

Median number of rooms in apartments:
Here:  5.8
State:  3.8


Zip code 32544 close-up map

Click to draw/clear zip code borders

Notable locations in this zip code not listed on our city pages:

Cemetery: Carr Cemetery (1). Display/hide its location on the map

Lakes and swamps: Timber Lake (A), Crain Pond (B), Lost Boy Pond (C), Prairie Ponds (D), Green Pond (E), Green Ponds (F), Kepner Pond (G), Pocosin Pond (H). Display/hide their locations on the map

Streams, rivers, and creeks: Bens Creek (A), Malone Creek (B), Turkey Gobbler Creek (C), Turkey Hen Creek (D), Turtle Creek (E), Alligator Creek (F), Metts Creek (G), Milligan Creek (H), Horse Branch (I). Display/hide their locations on the map

 

Year house built:
  • 1999 to March 2000: 0
  • 1995 to 1998: 65
  • 1990 to 1994: 253
  • 1980 to 1989: 100
  • 1970 to 1979: 29
  • 1960 to 1969: 121
  • 1950 to 1959: 135
  • 1940 to 1949: 7
  • 1939 or earlier: 0



Zip code 32544 satellite photo by USGS


Bedrooms in owner-occupied houses in 32544:
  • no bedroom: 0
  • 1 bedrooms: 0
  • 2 bedrooms: 0
  • 3 bedrooms: 14
  • 4 bedrooms: 0
  • 5 or more bedrooms: 0


Bedrooms in renter-occupied apartments and housing units:
  • no bedroom: 0
  • 1 bedrooms: 39
  • 2 bedrooms: 155
  • 3 bedrooms: 305
  • 4 bedrooms: 183
  • 5 or more bedrooms: 0



Vehicles available in 32544 zip code in owner-occupied houses/condos:
  • no vehicle: 0
  • 1 vehicle: 7
  • 2 vehicles: 0
  • 3 vehicles: 0
  • 4 vehicles: 0
  • 5 or more vehicles: 7


Vehicles available in renter-occupied apartments:
  • no vehicle: 6
  • 1 vehicle: 149
  • 2 vehicles: 440
  • 3 vehicles: 79
  • 4 vehicles: 8
  • 5 or more vehicles: 0



Estimated household income distribution in 2007:

Zip code 32544 household income distribution in 2007

Zip code 32544 house/condo values in 2007


Estimate of home value of owner-occupied houses/condos in 2007 in zip code 32544:

  • $35,000 to $39,999: 2
  • $40,000 to $49,999: 6
  • $50,000 to $59,999: 6
  • $60,000 to $69,999: 1
 



32544 rent paid by renters


Rent paid by renters in 2007 in zip code 32544:

  • $350 to $399: 6
  • $400 to $449: 6
  • $450 to $499: 5
  • $500 to $549: 18
  • $550 to $599: 22
  • $600 to $649: 20
  • $650 to $699: 27
  • $700 to $749: 33
  • $750 to $799: 11
  • $900 to $999: 23
  • No cash rent: 553
 


Median price asked for vacant for-sale houses and condos in 2007: $0.


Estimated median house (or condo) value in 2007 for:


    Estimated median house or condo value in 2007: $49,235 (it was $20,000 in 2000)
    32544:  $49,235
    Florida:  $230,400
    Lower value quartile - upper value quartile: $0 - $0

    Mean price in 2007:
    Mobile homes: $20,000
    Here:  $20,000
    State:  $43,568

    Housing units in structures:

    • One, detached: 26
    • One, attached: 352
    • Two: 217
    • 3 or 4: 71
    • 5 to 9: 25
    • Mobile homes: 19
    32544 zip code mode of transportation to work chart

    Means of transportation to work

    • Drove a car alone: 1,119 (66%)
    • Carpooled: 271 (16%)
    • Bus or trolley bus: 8 (0%)
    • Motorcycle: 23 (1%)
    • Bicycle: 37 (2%)
    • Walked: 203 (12%)
    • Other means: 8 (0%)
    • Worked at home: 36 (2%)
     

    32544 zip code travel time to work

    Travel time to work

    • Less than 5 minutes: 221
    • 5 to 9 minutes: 590
    • 10 to 14 minutes: 384
    • 15 to 19 minutes: 238
    • 20 to 24 minutes: 95
    • 25 to 29 minutes: 25
    • 30 to 34 minutes: 65
    • 35 to 39 minutes: 13
    • 40 to 44 minutes: 0
    • 45 to 59 minutes: 22
    • 60 to 89 minutes: 0
    • 90 or more minutes: 16
     

    Percentage of zip code residents living and working in this county: 96.5%


    Household type by relationship
    Households: 2,419

    • In family households: 2,404 (618 male householders, 76 female householders)
      669 spouses, 973 children (899 natural, 0 adopted, 74 stepchildren), 0 grandchildren, 7 brothers or sisters, 4 parents, 18 other relatives, 39 non-relatives
    • In nonfamily households: 15 (0 male householders (0 living alone)), 15 female householders (15 living alone)), 0 nonrelatives
    • In group quarters: 628 (0 institutionalized population)

    Size of family households: 133 2-persons, 193 3-persons, 267 4-persons, 78 5-persons, 23 6-persons.

    Size of nonfamily households: 15 1-person.

    917 married couples with children.
    78 single-parent households (38 men, 40 women).

    90.7% of residents of 32544 zip code speak English at home.
    5.5% of residents speak Spanish at home (73% very well, 14% well, 12% not well).
    0.4% of residents speak other Indo-European language at home (100% very well).
    3.3% of residents speak Asian or Pacific Island language at home (65% very well, 23% well, 13% not well).

    Foreign born population: 138 (4.5%)
    (60.1% of them are naturalized citizens)

    This zip code:  4.5%
    Whole state:  16.7%

    Most common places of birth for the foreign-born residents:



    • Philippines (52%)
    • United Kingdom (20%)
    • Thailand (12%)
    • Mexico (12%)
    • Jamaica (4%)



    Year of entry for the foreign-born population
    • 1995 to March 2000: 14
    • 1990 to 1994: 67
    • 1985 to 1989: 0
    • 1980 to 1984: 21
    • 1975 to 1979: 0
    • 1970 to 1974: 22
    • 1970 to 1974: 6
    • 1965 to 1969: 8

    White population: 2,103
    Black population: 567
    American Indian population: 25
    Asian population: 97
    Native Hawaiian and Other Pacific Islander population: 11
    Some other race population: 116
    Two or more races population: 174

    Zip code 32544 races chart


    First ancestries reported:

     Other groups: 930
     German: 279
     Irish: 255
     United States or American: 237
     English: 205
     Italian: 130
     French (except Basque): 65
     Polish: 58
     Scotch-Irish: 52
     Portuguese: 37
     Subsaharan African:: 32
     Dutch: 25
     African: 24
     Swedish: 24
     Norwegian: 23
     Scottish: 21
     West Indian (excluding Hispanic groups):: 15
     Jamaican: 15
     Danish: 13
     Welsh: 9
     French Canadian: 8
     South African: 8



    Zip code 32544 topographic map


    Facitilies with environmental interests located in this zip code:

    • SPECIAL TACTICS ADVANCED SKILL (RED HORSE ROAD in HURLBURT FIELD, FL)
      National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
      Organizations: JEFFREY PITCHFORD (CONTACT/OWNER)
    • CONSTRUCT TENT PADS @ PEF ( in HURLBURT FIELD, FL)
      National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
      Organizations: WILLIAM KOLAKOWSKI (CONTACT/OWNER)
    • MARLER PARK RESTORATION (LOTS 14-19 OF BLOCK 12 SANTA R in FT WALTON BCH, FL)
      National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
      Organizations: MICHAEL CARR (CONTACT/OWNER)


    Median worth of mobile homes: $35,337

    Zip code 32544 marital status for males
    Zip code 32544 marital status for females


    Most commonly used house heating fuel:
    • Utility gas (59%)
    • Electricity (39%)
    • Bottled, tank, or LP gas (3%)


    Place of birth for U.S.-born residents:

    • This state: 525
    • Northeast: 355
    • Midwest: 490
    • South: 884
    • West: 507

    17% of the 32544 zip code residents lived in the same house 5 years ago.
       Out of people who lived in different houses, 21% lived in this county.
       Out of people who lived in different counties, 9% lived in Florida.

    Year Householders Moved Into Unit:




    Private vs. public school enrollment:
    Students in private schools in grades 1 to 8 (elementary and middle school): 44
    Here:  12.2%
    Florida:  11.7%

    Students in private schools in grades 9 to 12 (high school): 0
    Here:  0.0%
    Florida:  9.7%

    Students in private undergraduate colleges: 7
    Here:  3.6%
    Florida:  21.0%


    Educational Attainment


    School Enrollment by Level of School



    Class of Workers



    Companies with federal contracts located in this zip code:

    • SHANNON SKOULA-CLARK (121 BARTLEY ST in HURLBURT FIELD, FL; small business)
      $19,032 with Air Force for Educational Services. Signed on 2004-10-01. Completion date: 2005-09-30.


    Top industries in this zip code by the number of employees in 2005:

    • Professional, Scientific, and Technical Services: Computer Systems Design Services (50-99 employees: 1 establishment, 20-49 employees: 1 establishment, 10-19 employees: 1 establishment)
    • Professional, Scientific, and Technical Services: Custom Computer Programming Services (50-99: 1, 20-49: 1)
    • Health Care and Social Assistance: Vocational Rehabilitation Services (20-49: 1)
    • Finance and Insurance: Credit Unions (20-49: 1)
    • Administrative and Support and Waste Management and Remediation Services: Security Guards and Patrol Services (20-49: 1)
    • Professional, Scientific, and Technical Services: Computer Facilities Management Services (10-19: 2, 1-4: 1)
    • Professional, Scientific, and Technical Services: Engineering Services (5-9: 3, 1-4: 3)
    • Other Services (except Public Administration): Barber Shops (10-19: 1)
    • Administrative and Support and Waste Management and Remediation Services: Facilities Support Services (10-19: 1)

    Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

    Age and Sex of Physically-Disabled Residents (Noninstitutionalized)


    Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)


    Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

    Age and Sex of Residents with Employment Disability (Noninst.)




    622 people in military barracks, etc.
    3 people in military transient quarters for temporary residents


    Home Mortgage Disclosure Act Aggregated Statistics For Year 2007
    (Based on 4 partial tracts)
    A) FHA, FSA/RHS & VA
    Home Purchase Loans
    B) Conventional
    Home Purchase Loans
    C) Refinancings
    D) Home Improvement Loans
    F) Non-occupant Loans on
    < 5 Family Dwellings (A B C & D)
    G) Loans On Manufactured
    Home Dwelling (A B C & D)
    NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
    LOANS ORIGINATED10$263,31755$191,63672$216,8609$78,79933$183,2012$79,270
    APPLICATIONS APPROVED, NOT ACCEPTED0$05$209,02611$263,6104$40,0903$180,1001$62,100
    APPLICATIONS DENIED2$194,24021$191,20542$293,5595$91,2447$254,6730$0
    APPLICATIONS WITHDRAWN7$253,7064$213,12318$187,8081$51,0002$324,1703$107,363
    FILES CLOSED FOR INCOMPLETENESS3$213,02011$217,36711$150,5721$569,1204$147,4051$136,480
    Choose year:  2007 2006 2005 2004 2003 2002 2001 2000 1999

    Detailed HMDA statistics for the following Tracts: 0208.00 , 0212.00

    Private Mortgage Insurance Companies Aggregated Statistics For Year 2007
    (Based on 4 partial tracts)
    A) Conventional
    Home Purchase Loans
    B) Refinancings
    C) Non-occupant Loans on
    < 5 Family Dwellings (A & B)
    NumberAverage ValueNumberAverage ValueNumberAverage Value
    LOANS ORIGINATED7$241,6274$301,1552$246,320
    APPLICATIONS APPROVED, NOT ACCEPTED1$126,9000$00$0
    APPLICATIONS DENIED1$150,9000$00$0
    APPLICATIONS WITHDRAWN1$232,0200$00$0
    FILES CLOSED FOR INCOMPLETENESS0$00$00$0
    Choose year:  2007 2006 2005 2004 2003 2002 2001 2000 1999

    Detailed PMIC statistics for the following Tracts: 0208.00 , 0212.00

    Conventional Home Purchase Loans

    Conventional Home Purchase Loans - Value




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