HomeFloridaOkaloosa CountyValparaiso
Valparaiso, Florida: commercial real estate data.
Valparaiso is a Census city of 4,885 people across 11.91 square miles of land, in Okaloosa County. Median household income is $90,110, 64.2 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $5.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Valparaiso
What Valparaiso is
- Census place typecity
- Land area11.91 sq mi
- Water area0.19 sq mi
- Population per square mile of land410
- 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.
Valparaiso
How many people live in Valparaiso
- Population4,885
- Median age28.9
- Population under 18736 plus or minus 207
- Share under 1815.1 percent plus or minus 4.2
- Population 65 and over698 plus or minus 207
- Share 65 and over14.3 percent plus or minus 4.2
- Households1,903
- Family households1,157
- Share of households that are families60.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valparaiso
Income and work in Valparaiso
- Median household income$90,110 plus or minus $19,299
- Per capita income$49,304
- Civilian labor force2,129
- Employed2,036
- Unemployed93 plus or minus 131
- Unemployment rate4.4 percent plus or minus 6.1
- Adults 25 and over3,152
- Adults 25 and over with a high school diploma or higher99.7 percent
- Adults 25 and over with a bachelor degree or higher45.9 percent plus or minus 11.1
- Adults 25 and over with a graduate degree15.0 percent plus or minus 5.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valparaiso
Housing in Valparaiso
- Housing units2,050
- Occupied units1,903
- Vacant units147 plus or minus 137
- Vacancy rate7.2 percent plus or minus 6.7
- Owner occupied1,221
- Renter occupied682 plus or minus 185
- Ownership rate64.2 percent
- Median owner-occupied home value$394,700
- Median gross rent, monthly$1,366
- Annual rent as a share of median income18.2 percent plus or minus 5.2
- Single family units1,784
- Share single family87.0 percent
- Units in buildings of two or more266 plus or minus 153
- Share in buildings of two or more13.0 percent plus or minus 7.4
- Mobile homes0
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valparaiso
How Valparaiso gets to work
- Workers 16 and over who commute2,776
- Commuting under 15 minutes1,400 plus or minus 332
- Share commuting under 15 minutes50.4 percent
- Commuting 30 minutes or more496 plus or minus 194
- Share commuting 30 minutes or more17.9 percent plus or minus 6.6
- Drove alone71.4 percent
- Carpooled13.7 percent plus or minus 5.8
- Public transport0.1 percent plus or minus 0.2
- Walked7.0 percent plus or minus 4.9
- Worked from home5.3 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valparaiso
SBA loans in Valparaiso (7(a))
- Approvals5
- Gross approval$4,971,000
- Average approval$994,200
- Median approval$575,000
- Largest approval$3,166,000
- Jobs supported97
- Jobs per approval19.4
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Valparaiso, in any county, FY2020 to FY2026. Only 1 loan has 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.
Valparaiso
SBA loans in Valparaiso (504)
- Approvals4
- Gross approval$2,911,000
- Average approval$727,750
- Median approval$731,000
- Largest approval$1,169,000
- Jobs supported13
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Valparaiso, in any county, FY2010 to FY2026. Only 0 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.
Valparaiso
Flood risk in Valparaiso
- NFIP communityCity of Valparaiso
- NFIP community number120176
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date03/09/21
The City of Valparaiso participates in the National Flood Insurance Program as community 120176 and carries Community Rating System class 10, 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 Valparaiso
Okaloosa County context, not Valparaiso 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 Valparaiso.
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
Valparaiso questions, answered from the record.
How many people live in Valparaiso, Florida?
4,885, in 1,903 households. Valparaiso city covers 11.91 square miles of land, which is 410 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Valparaiso 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 Valparaiso?
$90,110. The median owner-occupied home is valued at $394,700. Median gross rent is $1,366 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Valparaiso businesses?
5 7(a) approvals totaling $5.0 m since FY2020, across 3 lenders, median approval $575,000, plus 4 504 approvals worth $2.9 m since FY2010. These count approvals to borrowers whose address is in Valparaiso, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Valparaiso borrowers get paid back?
No rate is published for Valparaiso. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Valparaiso in the National Flood Insurance Program?
Yes. Valparaiso appears in the FEMA Community Status Book as Valparaiso, city of, community 120176, carrying Community Rating System class 10, 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 Valparaiso 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 Valparaiso.
Is zoning published for Valparaiso?
No. Nothing on this page presents parcel level zoning.