ZIP Code · FL

ZIP 32539

Part of Crestview, FL

Pop. 33,290·Okaloosa County·444th most expensive ZIP in Florida

Median rent (all units)

$1,886/mo

Year-over-Year

+2.3%

Month-over-Month

+0.5%

vs US Median

-$46

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 32539 · $1,886

More expensive than 55% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,210

1 BR

$1,400

2 BR

$1,580

3 BR

$2,170

4 BR+

$2,640

Research median

$1,580/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 32539 is at its highest level since Zillow's records here began in January 2022.

Past year vs. the rest of Florida

Rent in ZIP 32539 changed +2.3% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.

Recent direction

Rent has risen 3 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($74,369) is $1,859 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,580); a 3-bedroom is $2,170.

From Zillow's monthly rent index (ZORI) for ZIP 32539. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$22,632/yr

At $1,886/mo median

Location

CityCrestview

StateFL

CountyOkaloosa County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.3% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.3% YoY, +0.5% MoM), not inventory.

Demographics

Who lives here

ZIP 32539 (Crestview, FL) is majority owner-occupied, 25.2% of residents hold a bachelor's degree or higher.

Population

33,290

Median income

$74,369

Median age

35.7

Renters

21.7%

Age distribution

24.2%

24.3%

24.9%

15.9%

Under 1824.2%

18–3424.3%

35–5424.9%

55–6410.6%

65+15.9%

Gender

51.6%

48.4%

Male51.6%

Female48.4%

Race & ethnicity

75%

12.4%

White75%

Black12.4%

Hispanic5.5%

Asian2.1%

Other5.1%

Education (25+)

27%

40.3%

25.2%

No HS diploma7.5%

HS diploma27%

Some college40.3%

Bachelor's+25.2%

Housing tenure

78.3%

21.7%

Owner78.3%

Renter21.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 32539 in Crestview, FL has changed in 5 years

Rent

$1,705 → $1,886

up 10.6%

Income

$62,129 → $74,369

up 19.7%

Population

30,924 → 33,290

up 7.7%

Renter share

24.5% → 21.7%

-2.8 pts

Bachelor's+

23% → 25.2%

+2.2 pts

Median age

34 → 35.7

+1.7 yrs

Since 2022, the typical rent in ZIP 32539 in Crestview, FL has increased from $1,705 to $1,886, a 10.6% change over five years. Median household income rose from $62,129 to $74,369 between 2021 and 2024, a 19.7% shift. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 7.7% since 2021, moving from about 30,924 residents to roughly 33,290. Renters now make up 21.7% of households, compared with 24.5% five years ago. College-educated residents now make up 25.2% of adults here, versus 23% in 2021. Taken together, the five-year picture in ZIP 32539 in Crestview, FL reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 32539

Last updated: October 17, 2026

ZIP code 32539 covers Crestview, FL. The median rent here is $1,886/mo as of October 2026. A 1-bedroom rents for a median of $1,400/mo. A 2-bedroom rents for a median of $1,580/mo.

At 30% of local median household income ($74,369/yr), ZIP 32539 ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 32539?

To keep rent at or below 30% of gross income, you would need to earn at least $75,000/year (about $36/hour full-time) to afford the median rent of $1,886/mo in ZIP 32539. The local median household income is $74,369/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 32539?

Rent in ZIP 32539 has risen 2.3% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2022.

How does ZIP 32539 compare to other ZIPs in Florida?

ZIP 32539 is one of the more affordable among Florida ZIP codes for rent, ranking #444 of 656 at $1,886/mo. Over the year to September 2026, rent in ZIP 32539 changed +2.3%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.