HomeFloridaOkaloosa CountyNiceville
Niceville, Florida: commercial real estate data.
Niceville is a Census city of 16,544 people across 14.40 square miles of land, in Okaloosa County. Median household income is $102,409, 73.6 percent of occupied homes are owned, and the SBA record carries 31 7(a) approvals to borrowers here worth $22.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Niceville
What Niceville is
- Census place typecity
- Land area14.4 sq mi
- Water area0.15 sq mi
- Population per square mile of land1,149
- 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.
Niceville
How many people live in Niceville
- Population16,544
- Median age38.4
- Population under 183,767
- Share under 1822.8 percent
- Population 65 and over3,016
- Share 65 and over18.2 percent
- Households6,155
- Family households4,600
- Share of households that are families74.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niceville
Income and work in Niceville
- Median household income$102,409
- Per capita income$45,001
- Civilian labor force6,966
- Employed6,888
- Unemployed78 plus or minus 69
- Unemployment rate1.1 percent plus or minus 1.0
- Adults 25 and over11,532
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher38.5 percent
- Adults 25 and over with a graduate degree19.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niceville
Housing in Niceville
- Housing units6,784
- Occupied units6,155
- Vacant units629 plus or minus 253
- Vacancy rate9.3 percent plus or minus 3.7
- Owner occupied4,533
- Renter occupied1,622
- Ownership rate73.6 percent
- Median owner-occupied home value$423,500
- Median gross rent, monthly$1,749
- Annual rent as a share of median income20.5 percent
- Single family units5,976
- Share single family88.1 percent
- Units in buildings of two or more609 plus or minus 220
- Share in buildings of two or more9.0 percent plus or minus 3.2
- Mobile homes199 plus or minus 150
- Median year structure built1989
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niceville
How Niceville gets to work
- Workers 16 and over who commute6,921
- Commuting under 15 minutes1,614 plus or minus 323
- Share commuting under 15 minutes23.3 percent
- Commuting 30 minutes or more2,203 plus or minus 446
- Share commuting 30 minutes or more31.8 percent
- Drove alone77.5 percent
- Carpooled9.3 percent plus or minus 3.7
- Public transport0.3 percent plus or minus 0.5
- Walked1.4 percent plus or minus 1.4
- Worked from home10.2 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niceville
SBA loans in Niceville (7(a))
- Approvals31
- Gross approval$22,327,100
- Average approval$720,229
- Median approval$350,000
- Ninetieth percentile approval$1,530,000
- Largest approval$5,000,000
- Jobs supported205
- Jobs per approval6.6
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.1 percent
- Share to franchises25.8 percent
- Distinct lenders20
- Distinct industries by NAICS24
Counted by borrower city: approvals to borrowers whose address is in Niceville, in any county, FY2020 to FY2026. Only 4 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.
Niceville
SBA loans in Niceville (504)
- Approvals13
- Gross approval$5,133,000
- Average approval$394,846
- Median approval$383,000
- Largest approval$773,000
- Jobs supported67
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Niceville, in any county, FY2010 to FY2026. Only 2 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.
Niceville
Flood risk in Niceville
- NFIP communityCity of Niceville
- NFIP community number120338
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date03/09/21
The City of Niceville participates in the National Flood Insurance Program as community 120338 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 Niceville
Okaloosa County context, not Niceville 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 Niceville.
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
Niceville questions, answered from the record.
How many people live in Niceville, Florida?
16,544, in 6,155 households. Niceville city covers 14.40 square miles of land, which is 1,149 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Niceville 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 Niceville?
$102,409. The median owner-occupied home is valued at $423,500. Median gross rent is $1,749 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Niceville businesses?
31 7(a) approvals totaling $22.3 m since FY2020, across 20 lenders, median approval $350,000, plus 13 504 approvals worth $5.1 m since FY2010. These count approvals to borrowers whose address is in Niceville, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Niceville borrowers get paid back?
No rate is published for Niceville. Only 4 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 Niceville in the National Flood Insurance Program?
Yes. Niceville appears in the FEMA Community Status Book as Niceville, city of, community 120338, 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 Niceville 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 Niceville.
Is zoning published for Niceville?
No. Nothing on this page presents parcel level zoning.