ZIP Code 32578 — Niceville city, FL Demographics & Data

ZIP code 32578 covers Niceville, FL in Okaloosa County with a population of about 33,948.

At a glance, the area shows median age of 42.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 448, 850; U.S. House district FL-1; the MOBILE - PENSACOLA (FT WALT) media market.

Niceville, FL reads as a military / base-oriented community on US5’s intent model (elevated veteran share (24.4%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 32578 is about $105,858 — about 41% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 4.0%; 45.0% of adults with a bachelor’s degree or higher (about 11.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Public administration, and Healthcare; about 11.2% of workers reporting work-from-home (about 4.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $414,900 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,475 (about 27% above the U.S. median rent ($1,163)), and owner-occupancy near 78.0% (about 12.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32578 in Niceville, FL, a household would need roughly $114,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,665. That is roughly in line with the local median household income ($105,858). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Niceville city, FL as Relatively Moderate (composite score 92.5), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.1) and flood (80.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Niceville city, FL show little to no average snow and around 73.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,519 for ZIP 32578 (Niceville city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.