ZIP Code · FL

ZIP 32569

Part of Mary Esther, FL

Pop. 12,063·Okaloosa County·305th most expensive ZIP in Florida

Median rent (all units)

$2,115/mo

Year-over-Year

+5.7%

Month-over-Month

+1.1%

vs US Median

+$183

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 32569 · $2,115

More expensive than 67% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,300

1 BR

$1,510

2 BR

$1,710

3 BR

$2,350

4 BR+

$2,850

Research median

$1,710/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 32569 is at its highest level since Zillow's records here began in December 2021.

Past year vs. the rest of Florida

Rent in ZIP 32569 changed +5.7% 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 8 months in a row, and rose in 10 of the last 12 months.

What a typical income covers

30% of the median household income ($77,718) is $1,943 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,710); a 3-bedroom is $2,350.

Cheaper nearby

ZIP 32548, 5 miles away, rents for 11% less ($1,887/mo), about $2,700 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 32569. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$25,380/yr

At $2,115/mo median

Location

CityMary Esther

StateFL

CountyOkaloosa County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 5.7% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+5.7% YoY, +1.1% MoM), not inventory.

Demographics

Who lives here

ZIP 32569 (Mary Esther, FL) is majority owner-occupied, 38.2% of residents hold a bachelor's degree or higher.

Population

12,063

Median income

$77,718

Median age

36.8

Renters

29.3%

Age distribution

17.6%

28.8%

21.3%

16.3%

16%

Under 1817.6%

18–3428.8%

35–5421.3%

55–6416.3%

65+16%

Gender

51.8%

48.2%

Male51.8%

Female48.2%

Race & ethnicity

66.3%

White66.3%

Black10.3%

Hispanic9.5%

Asian6.9%

Other7%

Education (25+)

23.7%

33.3%

38.2%

No HS diploma4.9%

HS diploma23.7%

Some college33.3%

Bachelor's+38.2%

Housing tenure

70.7%

29.3%

Owner70.7%

Renter29.3%

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

2022 vs 2026

How ZIP 32569 in Mary Esther, FL has changed in 5 years

Rent

$1,922 → $2,115

up 10.0%

Income

$61,201 → $77,718

up 27.0%

Population

12,184 → 12,063

down 1.0%

Renter share

28.2% → 29.3%

+1.1 pts

Bachelor's+

37.5% → 38.2%

+0.7 pts

Median age

38.5 → 36.8

-1.7 yrs

The median rent in ZIP 32569 in Mary Esther, FL stood at $1,922 in 2022 and currently runs about $2,115, reflecting a 10.0% increase over the period. Census figures show median household income at $77,718 today, compared with $61,201 five years earlier. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has contracted by 1.0% since 2021, moving from about 12,184 residents to roughly 12,063. The combined trend lines point to a market that has changed measurably from where it stood in early 2022.

Community

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Local insights

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About renting in ZIP 32569

Last updated: October 17, 2026

ZIP code 32569 covers Mary Esther, FL. The median rent here is $2,115/mo as of October 2026. A 1-bedroom rents for a median of $1,510/mo. A 2-bedroom rents for a median of $1,710/mo.

At 33% of local median household income ($77,718/yr), ZIP 32569 ranks as moderate compared to the national benchmark of 30%. Rents have increased 5.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 32569?

To keep rent at or below 30% of gross income, you would need to earn at least $85,000/year (about $41/hour full-time) to afford the median rent of $2,115/mo in ZIP 32569. The local median household income is $77,718/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 32569?

Rent in ZIP 32569 has risen 5.7% over the past year as of September 2026. That is the highest level since Zillow's records here began in December 2021.

How does ZIP 32569 compare to other ZIPs in Florida?

ZIP 32569 is in the middle among Florida ZIP codes for rent, ranking #305 of 656 at $2,115/mo. Over the year to September 2026, rent in ZIP 32569 changed +5.7%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.