Crestview-Fort Walton Beach-Destin, FL

Metro Area Profile

299,547 residents. Jobs, income, development, climate and physical risk across the Crestview-Fort Walton Beach-Destin, FL metropolitan area.

57out of 100
Area Score
Bottom 25% of 379 profiles measured

How we calculate this

How this area ranks
Data updated · 10 sources
Opportunity228th of 379 metros measured50
GrowthTop 19% of 821 metros measured70
Housing affordability720th of 822 metros measured70
ClimateTop 9% of 822 metros measured78
Physical resilience756th of 822 metros measured19
AccessTop 19% of 822 metros measured93
Economic stabilityTop 40% of 822 metros measured59
The quick read

Housing sits below most published metro profiles for affordability: rent takes 24% of median household income and the median home is 4.4 times it — each just short of the thresholds that would count as strained, but both toward the costly end.

Physical-risk exposure is above the national median, driven mainly by hurricane and landslide.

Bob Sikes is 16 miles away, giving the area unusually direct access to the national air network.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
299,547
2024 ACS 5-Year
Median household income
$81,993
Top 15% nationally
Density
152/sq mi
1,968.1 sq mi of land
Median age
39.3
2024 ACS 5-Year
County
Metro area
Crestview-Fort Walton Beach-Destin, FL
Nearest major airport
CEW
16 mi · Bob Sikes
Median home value
$364,100
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.4% is lower than 41% of the 379 measured US metros.

Employment fell 1.3% over the past year, to 138,239 employed residents.

35% of adults hold a four-year degree, higher than 80% of measured US metros.

MetricValueCompared nationallySource period
Median household income ±$2,190$81,993Top 15%of 9352024 ACS 5-Year
Per capita income ±$1,222$46,655Top 10%of 9352024 ACS 5-Year
Poverty rate10.2%Bottom 18%of 9352024 ACS 5-Year
Average commute28.9 minTop 12%of 9352024 ACS 5-Year
Bachelor's degree or higher34.9%Top 20%of 9352024 ACS 5-Year
Employment138,239Top 44%of 379June 2026
Employment change (3 years)-2.2%Bottom 17%of 379June 2026
Employment change (year over year)-1.3%Bottom 33%of 379June 2026
Labor force144,564Top 44%of 379June 2026
Labor force participation63.3%Top 29%of 9352024 ACS 5-Year
Mean annual wage$63,090Top 36%of 3812025 OEWS
Median annual wage$47,510Bottom 47%of 3812025 OEWS
Metro employment125,050Top 44%of 3812025 OEWS
Unemployment change (year over year)0.8%Top 8%of 379June 2026
Unemployment rate4.4%Top 41%of 379June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032025/102026/064.42.2
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 4.4% in June 2026. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.
Largest occupations — Crestview-Fort Walton Beach-Destin, FL
OccupationPeople employedMedian annual wage
Retail Salespersons5,760$33,920
Waiters and Waitresses4,430$37,370
Fast Food and Counter Workers4,350$29,220
Cashiers3,090$31,000
General and Operations Managers3,020$100,070
Office Clerks, General2,560$46,060

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

Housing & affordability

How it’s calculated →

Prices for everything a household buys run about 2% below the national average — the Bureau of Economic Analysis index reads 98.4, against 100 for the nation. Housing drives most of that difference.

A new two-bedroom lease runs about $1,785, some 9% above the $1,633 tenants already here pay — the market has moved faster than sitting tenancies have.

Median rent of $1,633 takes 24% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home at $364,100 costs 4.4 times the median household income of $81,993, above the historic benchmark of about three times income.

Cost of living
98.4

Prices here run about 2% below the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Rent as a share of income
23.9%
Below the 30% cost-burdened threshold
Home price to income
4.4×
median home value ÷ median income
Market rent, two bedroom
$1,785
what a new lease costs · FY2026
Median gross rent
$1,633
what tenants now pay · 2024 ACS 5-Year
Median home value
$364,100
2024 ACS 5-Year
MetricValueCompared nationallySource period
Cost of living index98.4Top 24%of 3812023
Home price to income4.44Top 20%of 9352024 ACS 5-Year
Homeownership rate71.3%Top 41%of 9352024 ACS 5-Year
Housing units ±93165,136Top 16%of 9352024 ACS 5-Year
Market rent, one bedroom$1,581Top 10%of 351FY2026
Market rent, three bedroom$2,448Top 10%of 351FY2026
Market rent, two bedroom$1,785Top 13%of 351FY2026
Median gross rent ±$42$1,633Top 6%of 9352024 ACS 5-Year
Median home value ±$6,381$364,100Top 16%of 9352024 ACS 5-Year
Rent as a share of income23.9%Top 5%of 9352024 ACS 5-Year
Vacancy rate27.5%Top 4%of 9352024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
70/ 100
Top 19% of 821 published metro profiles
The most recent move in permitting was downward, in a series running from 2024 to 2025. That is the direction of the recent run, not a comparison of the two endpoints.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 8% since 2020, reaching 310,149 in 2024.

Population is still rising but the pace is easing: 310,149 residents in 2024, up 1.4% over the year, a smaller gain than the year before.

New construction is predominantly single-family: of 3,484 units permitted over the past twelve months, only 13% are in buildings of five or more homes.

At 11.6 permitted units per 1,000 residents, building activity is above the median for measured US metros.

Units permitted
3,484
12 months ending July 2026
Per 1,000 residents
11.6
Top 3% nationally
Year over year
−2%
vs the prior twelve months
Multifamily share
13.3%
units in 5+ unit buildings
Population, annual estimates
20202021202220232024310k288k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 91°F and January a low of 45°F.

Normal annual precipitation is 55.4 inches.

30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station DESTIN FT WALTON AP, 15.1 miles from this location.
Precipitation
JFMAMJJASOND6.1"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation55.4"1991-2020 Normals
Average January low45°F1991-2020 Normals
Average July high91°F1991-2020 Normals
Comfortable months71991-2020 Normals
Seasonal temperature swing29°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

19 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane and landslide, with hurricane alone responsible for 66% of it.

HurricaneHigh
LandslideModerate

Low or minimal exposure: lightning, tornado, heat wave, inland flooding, wildfire, cold wave, strong wind, coastal flooding, earthquake, winter weather, ice storm, hail, drought.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. This value is the population-weighted mean of all component counties; expected annual loss is their sum. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

What this profile does not cover

Some things people look for are not on this page, and each is absent for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offenses reported to police are published by department rather than by town, so AreaProfile shows a rate only on city profiles, and only where that city’s department submitted every month of a year. Any cities listed on this page carry their own figure where their department reported a full year. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes
Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighborhood all vary within the places measured here.

Access

3 major airports lie within 100 miles, the nearest Bob Sikes at 16 miles.

AirportCodeDistanceLongest runway
Bob SikesCEW16 mi8,006 ft
Northwest Florida Beaches IntlECP37 mi10,000 ft
Dothan RgnlDHN74 mi8,500 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
57
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023Annually, each December
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026Annually, each October for the coming fiscal year

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.