Census tract · Santa Rosa County
Census Tract 108.28, Santa Rosa County, Florida
Census Tract 108.28, GEOID 12113010828, in Santa Rosa County, Florida, mostly within Navarre (98% of its census blocks). 6,044 residents in the ACS 2020-2024 5-year estimates (±1,427); the 2020 Census counted 5,493.
Residents, 2020-2024
6,044
±1,427 (90% margin)
2020 Census count: 5,493
Median household income
$127,775
±$35,276 (90% margin)
Santa Rosa County: $91,922
Median home value
$348,100
±$15,483 (90% margin)
Santa Rosa County: $329,800
Median gross rent
$2,320
±$338 (90% margin)
Santa Rosa County: $1,544
Where is Census Tract 108.28?
Census Tract 108.28 is one of 37 census tracts in Santa Rosa County, Florida. It covers 3.76 square miles of land, 1,462 residents per square mile in 2020. Its GEOID, 12113010828, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Navarre | 98% |
4 census tracts border Census Tract 108.28: Tract 208 in Okaloosa County ($99,655), Tract 108.02 ($101,726), Tract 108.26 ($72,939) and Tract 108.27 ($97,963). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 108.28?
The 2020-2024 American Community Survey puts Census Tract 108.28's population at 6,044 (±1,427) in 2,223 households; the 2020 Census counted 5,493 residents and 2,171 housing units.
| Measure | Tract 108.28 | Navarre |
|---|---|---|
| Total population | 6,044 ±1,427 | 39,838 |
| Households | 2,223 ±406 | 14,449 |
| Average household size | 2.72 ±0.31 | 2.75 |
| Housing units | 2,445 ±410 | 15,201 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 108.28?
The median resident of Census Tract 108.28 is 37.2 years old; 25.2% are under 18 and 12.9% are 65 or older. The largest group is non-Hispanic white residents at 78.0%, then Hispanic or Latino residents (of any race) at 10.8%.
| Measure | Tract 108.28 | Navarre |
|---|---|---|
| Median age | 37.2 ±5.6 | 38.8 |
| Under 18 years | 25.2% ±6.5 pts | 24.3% |
| 65 years and over | 12.9% ±4.7 pts | 13.6% |
| Hispanic or Latino (any race) | 10.8% ±4.2 pts | 9.1% |
| White alone, not Hispanic | 78.0% ±5.7 pts | 73.0% |
| Black or African American alone, not Hispanic | 4.6% ±2.7 pts | 6.8% |
| Asian alone, not Hispanic | 1.7% ±1.5 pts | 2.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.9 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.9 pts | 0.1% |
| Two or more races, not Hispanic | 4.9% ±4.0 pts | 7.1% |
| Some other race alone, not Hispanic | 0.0% ±0.9 pts | 1.8% |
| Born outside the United States | 2.9% ±2.0 pts | 5.8% |
| Speak a language other than English at home (age 5+) | 4.4% ±3.1 pts | 6.7% |
| Civilian veterans (age 18+) | 30.6% ±6.7 pts | 25.7% |
| With a disability | 11.2% ±5.5 pts | 14.0% |
| No health insurance coverage | 8.8% ±5.0 pts | 9.0% |
| High school graduate or higher (age 25+) | 92.3% ±5.5 pts | 94.9% |
| Bachelor's degree or higher (age 25+) | 31.2% ±8.4 pts | 36.1% |
| Graduate or professional degree (age 25+) | 6.9% ±4.0 pts | 15.1% |
| Lived in the same house a year earlier | 76.7% ±11.9 pts | 82.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 108.28 earn?
Half of the 2,223 households in Census Tract 108.28 earn less than $127,775 a year (±$35,276), against $91,922 across Santa Rosa County: 2nd highest of the county's 36 tracts with a reliable estimate.
| Measure | Tract 108.28 | Navarre |
|---|---|---|
| Median household income | $127,775 ±$35,276 | $105,265 |
| Mean household income | $137,642 ±$20,856 | $126,960 |
| Per capita income | $50,337 ±$9,937 | $46,608 |
| People below the poverty line | 2.4% ±2.7 pts | 5.8% |
| Children under 18 below the poverty line | 0.0% ±3.4 pts | 5.7% |
| Households receiving SNAP | 8.8% ±7.9 pts | 4.9% |
| Households with a computer | 100.0% ±2.3 pts | 97.3% |
| Households with a broadband subscription | 99.2% ±1.2 pts | 97.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 108.28?
Owners occupy 72.3% of Census Tract 108.28's occupied homes and renters 27.7%. The median owner-occupied home is valued at $348,100 by its owner (±$15,483). The median renter pays $2,320 a month including utilities.
| Measure | Tract 108.28 | Navarre |
|---|---|---|
| Median home value (owner-occupied) | $348,100 ±$15,483 | $375,700 |
| Median gross rent | $2,320 ±$338 | $1,966 |
| Renters paying 35% or more of income on rent | 25.0% ±20.2 pts | 33.2% |
| Median monthly owner costs, with a mortgage | $2,131 ±$396 | $2,060 |
| Owner-occupied homes | 72.3% ±10.3 pts | 82.1% |
| Renter-occupied homes | 27.7% ±10.3 pts | 17.9% |
| Housing units | 2,445 ±410 | 15,201 |
| Single-family detached homes | 84.1% ±8.3 pts | 81.4% |
| Mobile homes | 8.7% ±5.5 pts | 8.0% |
| Built 2020 or later | 2.2% ±1.4 pts | 4.6% |
| Built 2010 to 2019 | 14.0% ±7.8 pts | 21.0% |
| Built 1939 or earlier | 0.0% ±2.1 pts | 0.0% |
| Households with no vehicle | 0.0% ±2.3 pts | 2.5% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 108.28 get to work?
88.8% of Census Tract 108.28's workers drive alone and 8.4% work from home. The average trip to work takes 35.1 minutes.
| Measure | Tract 108.28 | Navarre |
|---|---|---|
| In the labor force (age 16+) | 72.4% ±5.5 pts | 65.3% |
| Unemployment rate | 10.7% ±9.0 pts | 3.9% |
| Drove alone to work | 88.8% ±6.1 pts | 79.3% |
| Carpooled | 2.7% ±3.6 pts | 6.4% |
| Public transportation | 0.0% ±1.8 pts | 0.0% |
| Walked | 0.0% ±1.8 pts | 0.5% |
| Worked from home | 8.4% ±4.8 pts | 12.1% |
| Mean travel time to work | 35.1 min ±4.6 | 31.4 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 108.28 compare with the other tracts in Santa Rosa County?
Among Santa Rosa County's tracts with a reliable estimate, Census Tract 108.28 ranks as shown below (1 = highest).
| Measure | In Santa Rosa County | In Navarre |
|---|---|---|
| Population | 14th of 36 | 3rd of 7 |
| Residents per square mile | 9th of 36 | 5th of 7 |
| Median household income | 2nd of 36 | 2nd of 7 |
| Per capita income | 10th of 36 | 3rd of 7 |
| Median home value | 14th of 36 | 5th of 7 |
| Median gross rent | 3rd of 32 | 2nd of 7 |
| Bachelor's degree or higher | 21st of 36 | 6th of 7 |
| Median age | 28th of 36 | 7th of 7 |
| Owner-occupied share | 30th of 36 | 6th of 7 |
The tracts next to it on Santa Rosa County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 108.20 | 1st | $131,092±$29,721 · within the margin of this tract |
| Tract 108.28 | 2nd | $127,775±$35,276 |
| Tract 108.22 | 3rd | $127,594±$36,710 · within the margin of this tract |
| Tract 103.03 | 4th | $123,697±$12,863 · within the margin of this tract |
| Tract 108.24 | 5th | $123,092±$22,791 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 108.28?
2 of the 18 figures for Census Tract 108.28 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections