ZIP 32578
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12-month history
Last updated: October 17, 2026
What the numbers show
January. Asking rents in ZIP 32578 usually run 1.9% below trend in January and 1.7% above it in May, about $77 a month apart at today's median. Based on 10 years of data.
Rent in ZIP 32578 is 0.5% below its high of $2,160 in August 2026, at $2,150 as of September 2026.
Rent in ZIP 32578 changed +2.8% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.
From 2019 to 2024, rent in ZIP 32578 rose 39.9% while median household income rose 27.5% ($85,497 to $108,972). Rent outpaced income.
Rent in ZIP 32578 is 42.1% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.
Rent rose in 8 of the last 12 months.
30% of the median household income ($108,972) is $2,724 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,120); a 3-bedroom is $2,910.
ZIP 32580, 4 miles away, rents for 11% less ($1,915/mo), about $2,800 a year in savings.
From Zillow's monthly rent index (ZORI) for ZIP 32578. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
Who lives here
ZIP 32578 (Niceville, FL) is majority owner-occupied, has a large retiree population, has a median income above the national average, 45.5% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How ZIP 32578 in Niceville, FL has changed in 5 years
Five years ago, renters in ZIP 32578 in Niceville, FL paid around $1,650 a month. That figure now sits near $2,150, up 30.3% from the 2021 baseline. Census figures show median household income at $108,972 today, compared with $93,706 five years earlier. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 32578 in Niceville, FL adding about 723 residents over the five-year window, up 2.1% on net. The renter share has eased from 26.2% to 21.1%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 43.3% to 45.5% across the same window. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.
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Tips for renters in ZIP 32578
Last updated: October 17, 2026
ZIP code 32578 covers Niceville, FL. The median rent here is $2,150/mo as of October 2026. A 1-bedroom rents for a median of $1,880/mo. A 2-bedroom rents for a median of $2,120/mo.
At 24% of local median household income ($108,972/yr), ZIP 32578 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.8% over the past year.
Frequently asked questions
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How does ZIP 32578 compare to the rest of Niceville?
At $2,150/mo, rent takes ~24% of ZIP 32578's median household income ($108,972/yr). The standard benchmark is 30%.
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