ZIP Code Tabulation Area

32550

Miramar Beach, FL · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
8,486
Median household income
$101,250
People below poverty
4.8%
Median home value
$741,600

Income

The median income of households in 32550 was $101,250. An estimated 4.6% of households had income below $10,000 a year and 24.3% had income of $200,000 or more.

Household Income in 32550 in 2020-2024

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Percent
Less than $10,000 4.6
$10,000 to $14,999 1.4
$15,000 to $24,999 5.5
$25,000 to $34,999 3.8
$35,000 to $49,999 8
$50,000 to $74,999 11
$75,000 to $99,999 15.3
$100,000 to $149,999 17.4
$150,000 to $199,999 8.7
$200,000 or more 24.3

Median Earnings for Full-Time Year-Round Workers by Sex in 32550 in 2020-2024

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Dollars
Male 89861
Female 85317

An estimated 63.8% of households received earnings. An estimated 50.9% of households received Social Security and an estimated 37.3 % of households received retirement income other than Social Security. The average income from Social Security was $27,729. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 32550 in 2020-2024

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Percent
Earnings 63.8
Social Security 50.9
Retirement income 37.3
Supplemental Security Income (SSI) 1.8
Cash public assistance income 0.5

Poverty and Participation in Government Programs

In 2020-2024, 4.8 % of people were in poverty. An estimated 0% of children under 18 were below the poverty level, compared with 5.7% of people 65 years old and over. An estimated 4.9% of people 18 to 64 years were below the poverty level.

Poverty Rates in 32550 in 2020-2024

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Percent
People in poverty 4.8
Children under 18 years below poverty 0
People 65 years old and over below poverty 5.7
People 18 to 64 years below poverty 4.9

In 2020-2024, 0.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 0% of households that received SNAP had children under 18, and 100% of households that received SNAP had one or more people 60 years and over. An estimated 0% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 32550 in 2020-2024, 91.2% had health insurance coverage and 8.8% did not have health insurance coverage. Private coverage was 72.8% and public coverage was 40.6%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 17.4%.


In 2020-2024, 32550 had a total population of 8,486 - 4,490 (52.9%) females and 3,996 (47.1%) males. The median age was 60.4 years. An estimated 9.3% of the population was under 18 years, 18.2% was 19 to 44 years, 30.7% was 45 to 64 years, and 40.1 % was 65 years and older.

Population by Age and Sex for 32550 in 2020-2024

Male Female
Under 5 47 48
5 to 9 21 40
10 to 14 163 118
15 to 19 142 355
20 to 24 149 62
25 to 29 277 27
30 to 34 75 78
35 to 39 181 51
40 to 44 181 465
45 to 49 288 233
50 to 54 363 237
55 to 59 240 334
60 to 64 363 547
65 to 69 452 489
70 to 74 359 543
75 to 79 363 458
80 to 84 165 179
85 and over 167 226

Hispanic Origin and Race

For people reporting one race alone, 95% were White; 0.6% were Black or African American; 15.8% were American Indian and Alaska Native; 0.3% were Asian; 0% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 3.7% reported Two or More Races. An estimated 3.4% of the people in 32550 were Hispanic or Latino. An estimated 94.1% of the people in 32550 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 4,298 households in 32550. The average household size was 1.93 people.

Married-couple households made up 52.7% of the households in 32550 while cohabiting couple households made up 1.3% of households. Female householders with no spouse or partner present were 28.3% of all households, while 17.8% of households had male householders with no spouse or partner present. Some households had one person, as 12.2% of households were male householders living alone, and 17.9% were female householders living alone, for a total of 30.1% of all households.

In 32550, 12.4% of all households had one or more people under the age of 18; 51.5% of all households had one or more people 65 years and over.

Types of Households in 32550 in 2020-2024

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Percent
Married-couple households 52.7
Cohabiting Couples 1.3
Male Householder
No spouse/partner present
17.8
Female Householder
No spouse/partner present
28.3

Marital Status

Among persons 15 and older, 61.1% of males and 55.2% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 27.6 15.4
Now married, except separated 61.1 55.2
Separated 0 0.5
Widowed 3.5 9.5
Divorced 7.8 19.4

Grandparents and Grandchildren

In 32550, 22 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 0% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 91.4% of the people living in 32550 were U.S. natives. 14.9% of the 32550 population were living in the state where they were born.

Approximately 8.6% of 32550 residents in 2020-2024 were foreign-born. 67.3% of foreign-born were naturalized U.S. citizens and an estimated 71.3 % entered the country before the year 2010.

Foreign-born residents of 32550 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 32550.

Region of Birth for the Foreign-Born Population in 32550 in 2020-2024

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Percent
Latin America 20.8
Asia 4
Europe 57.7
Africa 0
Northern America 12.3
Oceania 5.2

Language

Among people at least five years old living in 32550 in 2020-2024, 7.4 % spoke a language other than English at home. Spanish was spoken by 2.9% of people at least five years old; 3.1% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 32550 in 2020-2024

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Percent
Spanish 2.9
Other Indo-European languages 4.6
Asian and Pacific Islander languages 0
Other languages 0

Geographic Mobility

In 2020-2024, 82.1 % of the people at least one year old living in 32550 were living in the same house one year earlier.

Geographic Mobility of Residents of 32550 in 2020-2024

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Percent
Same house 82.1
Different house, same county 4.4
Different county, same state 2.9
Different state 10.7
Abroad 0

Education

In 2020-2024, 99.1 % of people 25 years and over had at least graduated from high school and 52.2% had a bachelor's degree or higher. An estimated 0.9% did not complete high school.

The total school enrollment in 32550 was 1,034 in 2020-2024. Nursery school enrollment was 52 and kindergarten through 12th grade enrollment was 691. College or graduate school enrollment was 291.

Educational Attainment of People in 32550 in 2020-2024

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Percent
Less than high school diploma 0.9
High school diploma or equivalency 18.9
Some college, no degree 20.5
Associate's degree 7.5
Bachelor's degree 32.9
Graduate or professional degree 19.3

Disability

In 32550, among the civilian noninstitutionalized population in 2020-2024, 11.3 % reported a disability. The likelihood of having a disability varied by age - from 0% of people under 18 years old, to 5.6% of people 18 to 64 years old, and to 21.8% of those 65 and over.


Employment Status and Type of Employer

In 32550, 47.5 % of the population 16 and over were employed; 51.6% were not currently in the labor force.

An estimated 82.8% of the people employed were private wage and salary workers; 4.5% were federal, state, or local government workers; and 12.8 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 3,117 82.8
Federal, state, or local government workers 168 4.5
Self-employed workers in own not incorporated business 481 12.8

Industries

In 2020-2024, the civilian employed population 16 years and older in 32550 worked in the following industries:

Percent by Industry in 32550 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 1.5
Construction 7.1
Manufacturing 4.1
Wholesale trade 5.1
Retail trade 8.5
Transportation and warehousing, and utilities 5.5
Information 1.2
Finance and insurance, and real estate and rental and leasing 18
Professional, scientific, and management, and administrative and waste management services 20.8
Educational services, and health care and social assistance 9.7
Arts, entertainment, and recreation, and accommodation, and food services 12.2
Other Services, except public administration 4
Public administration 2.2

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 32550 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 1,754 46.6
Service occupations 678 18
Sales and office occupations 1,020 27.1
Natural resources, construction, and maintenance occupations 174 4.6
Production, transportation, and material moving occupations 140 3.7

Commuting to Work

An estimated 69.3% of 32550 workers drove to work alone in 2020-2024, and 3.3% carpooled. Among those who commuted to work, it took them on average 23 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 32550 in 2020-2024

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Percent
Car, truck, van -- drove alone 69.3
Car, truck, van -- carpooled 3.3
Public transportation (excluding taxicab) 0
Walked 0
Other means 2.1
Worked from home 25.3

In 2020-2024, 32550 had a total of 15,531 housing units. Of these housing units, 36.3% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 61.5% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 2.1% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 32550 in 2020-2024

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Percent
Single-family houses 36.3
Apartments in multi-unit structures 61.5
Mobile homes 2.1
Boat, RV, van, etc 0.1

5.3% of the housing inventory was comprised of houses built since 2010, while 0% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 32550 was 4.3 rooms, and of these housing units 49.3% had three or more bedrooms.


In 2020-2024, 32550 had 4,298 housing units that were occupied or had people living in them, while the remaining 11,233 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 81.8% while renters occupied 18.2%. The average household size of owner-occupied houses was 1.96 and in renter-occupied houses it was 1.79.

3.2% of householders of these occupied houses had moved into their house since 2021, while 1.3% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 2.8% and another 17.4% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 32550:

House Heating Fuel Used in 32550 in 2020-2024

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Percent
Gas 27
Electricity 71
Fuel oil, kerosene, etc 0
All other fuels 0.7
No fuel used 1.4

In 2020-2024, the median property value for owner-occupied houses in 32550 was $741,600.

Of the owner-occupied households, 50.9 % had a mortgage. 49.1% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $2,813 and for owners without a mortgage it was $1,090.

For renter-occupied houses, the median gross rent for 32550 was $2,270. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.