HomeFloridaOkaloosa CountyFort Walton Beach
Fort Walton Beach, Florida: commercial real estate data.
Fort Walton Beach is a Census city of 21,025 people across 7.64 square miles of land, in Okaloosa County. Median household income is $68,538, 61.8 percent of occupied homes are owned, and the SBA record carries 60 7(a) approvals to borrowers here worth $40.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fort Walton Beach
What Fort Walton Beach is
- Census place typecity
- Land area7.64 sq mi
- Water area0.08 sq mi
- Population per square mile of land2,752
- County holding the largest share of its areaOkaloosa County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Walton Beach
How many people live in Fort Walton Beach
- Population21,025
- Median age39.1
- Population under 184,639
- Share under 1822.1 percent
- Population 65 and over4,152
- Share 65 and over19.7 percent
- Households8,817
- Family households5,253
- Share of households that are families59.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Walton Beach
Income and work in Fort Walton Beach
- Median household income$68,538
- Per capita income$37,937
- Civilian labor force10,296
- Employed9,936
- Unemployed360 plus or minus 107
- Unemployment rate3.5 percent plus or minus 1.0
- Adults 25 and over14,802
- Adults 25 and over with a high school diploma or higher91.9 percent
- Adults 25 and over with a bachelor degree or higher29.7 percent
- Adults 25 and over with a graduate degree9.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Walton Beach
Housing in Fort Walton Beach
- Housing units9,901
- Occupied units8,817
- Vacant units1,084 plus or minus 236
- Vacancy rate10.9 percent plus or minus 2.3
- Owner occupied5,451
- Renter occupied3,366
- Ownership rate61.8 percent
- Median owner-occupied home value$321,800
- Median gross rent, monthly$1,307
- Annual rent as a share of median income22.9 percent
- Single family units7,254
- Share single family73.3 percent
- Units in buildings of two or more2,572
- Share in buildings of two or more26.0 percent
- Mobile homes9 plus or minus 14
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Walton Beach
How Fort Walton Beach gets to work
- Workers 16 and over who commute9,710
- Commuting under 15 minutes3,566
- Share commuting under 15 minutes36.7 percent
- Commuting 30 minutes or more2,473
- Share commuting 30 minutes or more25.5 percent
- Drove alone81.2 percent
- Carpooled5.9 percent plus or minus 2.1
- Public transport0.4 percent plus or minus 0.4
- Walked1.7 percent plus or minus 1.0
- Worked from home8.4 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Walton Beach
SBA loans in Fort Walton Beach (7(a))
- Approvals60
- Gross approval$39,985,100
- Average approval$666,418
- Median approval$343,500
- Ninetieth percentile approval$1,424,000
- Largest approval$5,000,000
- Jobs supported1,234
- Jobs per approval20.6
- Loans with a final outcome12
- Paid in full12
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.7 percent
- Share to franchises30.0 percent
- Distinct lenders25
- Distinct industries by NAICS35
Counted by borrower city: approvals to borrowers whose address is in Fort Walton Beach, in any county, FY2020 to FY2026. Only 12 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fort Walton Beach
SBA loans in Fort Walton Beach (504)
- Approvals32
- Gross approval$29,549,000
- Average approval$923,406
- Median approval$491,000
- Largest approval$5,500,000
- Jobs supported354
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Fort Walton Beach, in any county, FY2010 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Fort Walton Beach
Flood risk in Fort Walton Beach
- NFIP communityCity of Fort Walton Beach
- NFIP community number120174
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date03/09/21
The City of Fort Walton Beach participates in the National Flood Insurance Program as community 120174 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Okaloosa County, not Fort Walton Beach
Okaloosa County context, not Fort Walton Beach figures
- Establishments in Okaloosa County6,011
- Covered employment, Okaloosa County89,705
- Average annual pay, Okaloosa County$61,616
- Housing units permitted, Okaloosa County1,268
Every figure in this section is published for Okaloosa County as a whole and is not a measurement of Fort Walton Beach.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Fort Walton Beach questions, answered from the record.
How many people live in Fort Walton Beach, Florida?
21,025, in 8,817 households. Fort Walton Beach city covers 7.64 square miles of land, which is 2,752 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Fort Walton Beach in?
Okaloosa County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Fort Walton Beach?
$68,538. The median owner-occupied home is valued at $321,800. Median gross rent is $1,307 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Fort Walton Beach businesses?
60 7(a) approvals totaling $40.0 m since FY2020, across 25 lenders, median approval $343,500, plus 32 504 approvals worth $29.5 m since FY2010. These count approvals to borrowers whose address is in Fort Walton Beach, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Fort Walton Beach borrowers get paid back?
No rate is published for Fort Walton Beach. Only 12 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Fort Walton Beach in the National Flood Insurance Program?
Yes. Fort Walton Beach appears in the FEMA Community Status Book as Fort Walton Beach, city of, community 120174, carrying Community Rating System class 6, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Fort Walton Beach figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Okaloosa County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Fort Walton Beach.
Is zoning published for Fort Walton Beach?
No. Nothing on this page presents parcel level zoning.