ZIP 32569 vs ZIP 32547

32569 is one of 13 ZIP codes that lie mostly in Okaloosa County, FL.

Shaded by typical home value, it ranks 7 of the 11 with a value.

2 school locations in 32569: 2 elementary.

In alphabetical order: FLOROSA ELEMENTARY SCHOOL, MARY ESTHER ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

32547 is one of 13 ZIP codes that lie mostly in Okaloosa County, FL.

Shaded by typical home value, it ranks 8 of the 11 with a value.

6 school locations in 32547: 2 elementary, 1 middle, 3 high.

In alphabetical order: CONTRACTED RESIDENTIAL SERVICES, KENWOOD ELEMENTARY SCHOOL, OKALOOSA TECHNICAL COLLEGE, W. C. PRYOR MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In May 2002 the typical home in 32569 was worth $115,963.

Values peaked at $336,184 in June 2024. The latest reading is −5.2% from that peak.

As of August 2026: $318,628, −0.3% over twelve months.

Start with the typical home: $318,628. Put 20% down and borrow $254,902 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,765 a month in principal and interest.

The median household here earns $73,762 a year, $6,147 a month. So the payment takes 28.7% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.4% in 2002.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in May 2002 (6.81%) the payment was $605.

In December 2020, with rates at 2.68%, it was $813.

By August 2026, at 6.67%, it was $1,639 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +175% since May 2002.

General prices (CPI-U) rose +86% over the same span.

Divide one by the other: in August 2026 dollars, the 2002 home was worth $215,860. So the real change is +48%, not +175%.

32569: +175% since May 2002.

Okaloosa County: +168% since May 2002.

Florida: +186% since May 2002 — 32569 ran behind it by 11 points.

Owning the typical home costs about $2,084 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,098 a month.

Price divided by a year's rent: 12.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In May 2002 the typical home in 32547 was worth $113,637.

Values peaked at $328,854 in May 2024. The latest reading is −4.4% from that peak.

As of August 2026: $314,247, +0.9% over twelve months.

Start with the typical home: $314,247. Put 20% down and borrow $251,398 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,741 a month in principal and interest.

The median household here earns $67,822 a year, $5,652 a month. So the payment takes 30.8% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 11.1% in 2002.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in May 2002 (6.81%) the payment was $593.

In December 2020, with rates at 2.68%, it was $807.

By August 2026, at 6.67%, it was $1,617 — +100% since December 2020, while the home's value moved +26%.

Reported values rose +177% since May 2002.

General prices (CPI-U) rose +86% over the same span.

Divide one by the other: in August 2026 dollars, the 2002 home was worth $211,530. So the real change is +49%, not +177%.

32547: +177% since May 2002.

Okaloosa County: +168% since May 2002.

Florida: +186% since May 2002 — 32547 ran behind it by 9 points.

Owning the typical home costs about $2,055 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,814 a month.

Price divided by a year's rent: 14.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 23 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 95.

Going out — closed sales: about 25 a month. That is 87% of the 2015–2019 level for the same months. The drain is drawn 11% narrower: the share of homes for sale that sell each month is 89% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.8 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 83% of it, and below it in 19 of the last 24 months.

Across Okaloosa County, builders pulled permits for 1,057 new homes in 2025.

Of those, 93% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 53 a month (Redfin, 3-month rolling data through August 2026). That is 101% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 166. That is 93% of the 2015–2019 level for the same months.

Going out — closed sales: about 45 a month. That is 88% of the 2015–2019 level for the same months. The drain is drawn 16% narrower: the share of homes for sale that sell each month is 84% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.7 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 45 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 51 — so sales ran at 88% of it, and below it in 22 of the last 24 months.

Across Okaloosa County, builders pulled permits for 1,057 new homes in 2025.

Of those, 93% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Okaloosa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,185 moved in. Among the ten receiving the most, 2,928 moved out.

Net across those counties: −743 households. Beside it, homes for sale in this ZIP: 95 in June 2026.

Most arrivals came from Santa Rosa, FL (584 households); most departures went to Walton, FL (860).

This ZIP sits in Okaloosa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,185 moved in. Among the ten receiving the most, 2,928 moved out.

Net across those counties: −743 households. Beside it, homes for sale in this ZIP: 166 in June 2026.

Most arrivals came from Santa Rosa, FL (584 households); most departures went to Walton, FL (860).