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ZIP Code · FL

ZIP 32578

Pop. 34,738·Okaloosa County·253rd most expensive ZIP in Florida
Median rent (all units)
$2,259/mo
Year-over-Year
+10.7%
Month-over-Month
-3.4%
vs US Median
+$297
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 32578 · $2,259
More expensive than 72% of US ZIP codes · National median $1,962/mo
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Medians by bedroom

Rent by unit size

Studio
$1,620
1 BR
$1,880
2 BR
$2,120
3 BR
$2,910
4 BR+
$3,540
Research median
$2,120/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: August 17, 2026

Annual cost
$27,108/yr
At $2,259/mo median
Location
StateFL
CountyOkaloosa County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (10.7% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+10.7% YoY, -3.4% MoM), not inventory.
Demographics

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.

Population
34,738
Median income
$108,972
Median age
43.1
Renters
21.1%
Age distribution
22.1%
17.8%
24%
15.6%
20.4%
Under 1822.1%
18–3417.8%
35–5424%
55–6415.6%
65+20.4%
Gender
48.6%
51.4%
Male48.6%
Female51.4%
Race & ethnicity
79.8%
White79.8%
Black3.5%
Hispanic6.9%
Asian4.3%
Other5.5%
Education (25+)
20.4%
30.9%
45.5%
No HS diploma3.1%
HS diploma20.4%
Some college30.9%
Bachelor's+45.5%
Housing tenure
78.9%
21.1%
Owner78.9%
Renter21.1%

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

2021 vs 2026

How ZIP 32578 in Niceville, FL has changed in 5 years

Rent
$1,575 → $2,259
up 43.4%
Income
$93,706 → $108,972
up 16.3%
Population
34,015 → 34,738
up 2.1%
Renter share
26.2% → 21.1%
-5.1 pts
Bachelor's+
43.3% → 45.5%
+2.2 pts
Median age
39.6 → 43.1
+3.5 yrs

Five years ago, renters in ZIP 32578 in Niceville, FL paid around $1,575 a month. That figure now sits near $2,259, up 43.4% 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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Local insights

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About renting in ZIP 32578

Last updated: August 17, 2026

ZIP code 32578 covers Niceville, FL. The median rent here is $2,259/mo as of August 2026. A 1-bedroom rents for a median of $1,880/mo. A 2-bedroom rents for a median of $2,120/mo.

At 25% of local median household income ($108,972/yr), ZIP 32578 ranks as affordable compared to the national benchmark of 30%. Rents have increased 10.7% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 32578?

As of August 17, 2026, the median monthly rent in ZIP 32578 (Niceville, FL) is $2,259. This is based on aggregated data from public sources and community submissions.

How does ZIP 32578 rent compare to the US average?

ZIP 32578's median rent of $2,259/mo is $297 (15%) above the US national median of $1,962/mo.

How does ZIP 32578 compare to other ZIPs in Florida?

ZIP 32578 falls in the middle range for Florida, ranking #253 out of 661 ZIPs at $2,259/mo.

How much income do you need to rent in ZIP 32578?

To keep rent at or below 30% of gross income, you would need to earn at least $90,000/year (~$43/hour full-time) to afford the median rent of $2,259/mo in ZIP 32578. The local median household income is $108,972/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 32578?

Rent in ZIP 32578 has increased 10.7% over the past year as of August 17, 2026, putting upward pressure on renter budgets.

Is ZIP 32578 an affordable place to rent?

ZIP 32578 is considered affordable for renters. At $2,259/mo, rent takes approximately 25% of the local median household income ($108,972/yr). The standard benchmark is 30%. ZIP 32578 falls comfortably within that range.

What percentage of ZIP 32578 residents rent vs. own?

According to Census data, approximately 21.1% of ZIP 32578 households are renters, while 78.9% are owner-occupied. ZIP 32578 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 32578 compare to the rest of Niceville?

ZIP 32578 is pricier than Niceville as a whole. At $2,259/mo, it's $2 above the Niceville citywide median of $2,257/mo.

When was rent data for ZIP 32578 last updated?

Rent data for ZIP 32578 reflects August 17, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
25%
AFFORDABLE

At $2,259/mo, rent takes ~25% of ZIP 32578's median household income ($108,972/yr). The standard benchmark is 30%.

ZIP 32578 25%Benchmark 30%
State income taxNone
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Schools nearby

Public schools near ZIP 32578 (Niceville, FL)

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