Okaloosa County, FL Average Home Price (2026)
The average home price in Okaloosa County, Florida is about $323,000 (the 2026 median across 11 ZIP codes, at ~$222/sq ft) — 6% more affordable than the Florida median and 12% more expensive than the typical U.S. home.
How Okaloosa County compares
Okaloosa County is about average for housing nationally: its typical home costs $323,000 against $345,000 for Florida and $289,000 for the U.S. Within the county, ZIP-level values run from about $281,000 to $619,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Okaloosa County | $323,000 | $222 |
| Florida | $345,000 | $229 |
| United States | $289,000 | $193 |
Okaloosa County home prices by ZIP code
The 11 most valuable ZIP codes in Okaloosa County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 32541 Destin | $619,000 | $454 | +92% |
| 32578 Niceville | $435,000 | $262 | +35% |
| 32579 Shalimar | $384,000 | $225 | +19% |
| 32548 Fort Walton Beach | $337,000 | $400 | +4% |
| 32580 Eglin AFB | $327,000 | $243 | +1% |
| 32531 Baker | $323,000 | $199 | +0% |
| 32569 Mary Esther | $319,000 | $209 | -1% |
| 32547 Fort Walton Beach | $314,000 | $222 | -3% |
| 32536 Crestview | $294,000 | $171 | -9% |
| 32567 Paxton | $292,000 | $156 | -10% |
| 32539 Crestview | $281,000 | $176 | -13% |
Home value appreciation in Okaloosa County
Home prices in Okaloosa County have risen about 104% over the last 10 years (≈7.4% a year) and +60.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.3% — roughly flat. A home worth $323,000 today was worth roughly $158,256 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Florida is +126.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Okaloosa County
Run the numbers for Okaloosa County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Okaloosa County
To buy the typical $323,000 home in Okaloosa County with 20% down, you need a household income of roughly $88,000 a year (about $2,050 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $104,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,200 | $2,550/mo | $109,000/yr |
| 10% (+PMI) | $32,300 | $2,440/mo | $104,000/yr |
| 20% | $64,600 | $2,050/mo | $88,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Okaloosa County
At about $222 per square foot, here is roughly how much home different budgets get you in Okaloosa County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 680 sq ft | below the local median — condos, smaller or older homes |
| $200k | 900 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1130 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1350 sq ft | around the typical home here |
| $400k | 1800 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Florida.
Estimate a specific home in Okaloosa County
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Okaloosa County home prices: frequently asked
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Browse all Florida cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.