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Okaloosa County, FL

RANK #152 / 1001 NAT  ·  #5 / 41 FL  ·  POP 216,599

1YR FORECAST: -2.1%

5YR OUTLOOK: +34%

Our model projects Okaloosa County's housing market to grow -2.1% over the next year, significantly outpacing the national average.

[01] Why Okaloosa County?

Okaloosa County, Florida, is distinguished by its "sugar-white" sand beaches and emerald-green waters, particularly around Destin, known as the "World's Luckiest Fishing Village." Located in the Florida Panhandle, it is approximately an hour's drive east of Pensacola. The community offers a blend of bustling beach towns and quieter inland areas like Crestview, which serves as the county seat. Commuting within the county is facilitated by major highways and the Emerald Coast Rider public transit system, which includes bus and trolley services. Outdoor recreation is a significant draw, with opportunities for fishing, boating, kayaking, and hiking in numerous county parks, state parks like Henderson Beach State Park, and along rivers such as the Blackwater, Yellow, and Shoal.

Life in Okaloosa County is shaped by its natural amenities and a strong military presence, with Eglin Air Force Base being a major influence. The area attracts families and young professionals, partly due to its highly rated public schools. The economy is experiencing growth, driven by new investments in sectors like aviation manufacturing and other industries, particularly in the northern part of the county. This economic development is supported by a skilled workforce, including military members transitioning to civilian careers.

MARKET PROFILE

Sun Belt Post-Surge Correction

Okaloosa County is one of 76 U.S. counties in this market profile — stronger than typical on the BoomTown Index. Within this cohort, its recent home-price change of -0.6% runs above the profile's typical -3.7%.

See all 76 Sun Belt Post-Surge Correction counties →

[02] Market Snapshot

Housing Ratio
13.3x

Overvalued relative to economy

Home Prices
-0.6%

Prices declining

Climate & Terrain
2.0

Moderate climate & terrain

Price/Rent
15x

Below national median (15x)

Housing looks overvalued at 13.3x — home prices are high relative to local economic output. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    Okaloosa County School District Education
    2,500+
  2. 2
    Walmart Supercenter (Combined) Retail
    1,000+
  3. 3
    HCA Florida Fort Walton-Destin Hospital Healthcare
  4. 4
    Okaloosa County Government
  5. 5
    Publix (Combined) Retail
  6. 6
    Reliance Test & Technology, LLC Other
    500+
  7. 7
    Northwest Florida State College Education
  8. 8
    Lockheed Martin Technology
  9. 9
    North Okaloosa Medical Center Healthcare
  10. 10
    Astion Other

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

Okaloosa County U.S. National

Bars show trailing 12-month growth. The dashed Forecast bars are the model's next-12-month projection; the whisker marks the ±1% range (cooling–accelerating).

The Numbers

DEMOGRAPHICS
Population
216,599
+1.08% YoY
Median Household Income
$81,998
Median Home Value
$351,200
-0.6% 12mo
Median Rent
$1,612
Average Annual Pay
$63,739
+3.4% YoY
Employment
89,403
-0.3% YoY
Income-to-Home-Value
0.2335
Near national average
Migration Inflow
3.03%
of pop. from another state
Bachelor's Degree+
34.8%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$379,500
Days on Market
69
Slower market
Months of Supply
5.4
Buyer's market
Sale-to-List Ratio
97.6%
Negotiation room for buyers
Sold Above List
15.6%
Listings w/ Price Drops
24.1%
Building Permits (2025)
1,057
Single-Family Permits
987

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Crime & Safety

C+
SAFETY
GRADE
Homicide Rate
5.7
per 100K · nat avg 6.3
Firearm Fatalities
17.0
per 100K · nat avg 14.8
Injury Deaths
99.5
per 100K · nat avg 76.3
vs National Average
Near national avg
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Air Quality

B
AIR QUALITY
GRADE
Median AQI (3yr)
36.3
Good
Good Air Days
94%
732 of 776 days
Unhealthy+ Days (3yr)
0
Sensitive groups affected
Primary Pollutant
Ozone
Ground-level ozone
Yearly Trend
2021
33
2022
39
2023
37
Median AQI · lower is better

Source: EPA Air Quality System (2021–2023). Grade based on 3-year average median AQI. Learn about AQI →

[07] Capital Investment

$1,224M
TOTAL
PROJECT AMOUNT STATUS
Williams International Aviation Gas Turbine Engine Manufacturing Facility
Williams International
$1,000M Under Construction
LiveOak Fiber Optic Network
LiveOak Fiber
$100M Under Construction
FPL Canoe Solar Energy Center
Florida Power & Light (FPL)
$74M Under Construction
Central Moloney, Inc. (CMI) Manufacturing Facility
Central Moloney, Inc. (CMI)
$50M Under Construction

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[08] Score Breakdown

Population Growth +1.1% 68 percentile
Income Growth +3.7% 72 percentile
Vacancy Rate 2.6% 2 percentile
Home Price Change -0.6% 21 percentile
Rent Growth +2.4% 40 percentile
Price/Rent 15x 53 percentile

Bars show percentile rank among all 1001 counties.

[09] Frequently Asked Questions

Is Okaloosa County, FL a good place to move to?

Okaloosa County ranks #152 out of 1001 U.S. counties on the Boom Town Index with a score of 85/100, placing it in the top tier nationally. Median household income is $81,998 and the underlying growth metrics (housing, migration, income) hold up against peer counties.

Is Okaloosa County affordable?

Okaloosa County leans toward the expensive side. A median home value of $351,200 against an income-to-home-value ratio of 0.23 means housing eats a bigger share of local earnings than the national norm. Renters face $1,612/month on average.

Is Okaloosa County growing or shrinking?

Okaloosa County's population is growing — up +1.1% YoY — while the job market is roughly flat (employment change of -0.3%). Home values shifted -0.6% over the past year. In-migration is outpacing local hiring, which often points to remote workers or retirees driving the headcount.

Are people moving to Okaloosa County?

There's a moderate stream of newcomers. About 3.03% of residents moved from another state, which is above average and suggests Okaloosa County has appeal as a relocation destination — though it's not among the highest-inflow counties nationally.

[10] Similar Counties by Size & Score

Leon County, FL 86 Monroe County, FL 86 Putnam County, FL 91 Walton County, FL 78 Bay County, FL 94 Escambia County, FL 70 Hinds County, MS 85 Calcasieu Parish, LA 85