ZIP Code 32550 — Miramar Beach CDP, FL Demographics & Data

ZIP code 32550 covers Miramar Beach, FL in Walton County with a population of about 8,192.

At a glance, the area shows median age of 60.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 448, 850; U.S. House district FL-1; the PANAMA CITY media market.

Miramar Beach, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 32550 is about $96,269 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 3.2%; 54.9% of adults with a bachelor’s degree or higher (about 21.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Professional services, and Retail trade; about 26.3% of workers reporting work-from-home (about 11.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $679,800 — about 95% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,983 (about 71% above the U.S. median rent ($1,163)), and owner-occupancy near 77.1% (about 11.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32550 in Miramar Beach, FL, a household would need roughly $187,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,367. That is about 94% above the local median household income ($96,269), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Miramar Beach CDP, FL as Relatively Moderate (composite score 88.6), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (97.4) and wildfire (75.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Miramar Beach CDP, FL show little to no average snow and around 55.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 367 for ZIP 32550 (Miramar Beach CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.