Census tract · Okaloosa County
Census Tract 221, Okaloosa County, Florida
Census Tract 221, GEOID 12091022100, in Okaloosa County, Florida, mostly within Ocean City (72% of its census blocks). 3,636 residents in the ACS 2020-2024 5-year estimates (±453); the 2020 Census counted 3,549.
Residents, 2020-2024
3,636
±453 (90% margin)
2020 Census count: 3,549
Median household income
$60,500
±$10,079 (90% margin)
Okaloosa County: $81,998
Median home value
$277,900
±$28,628 (90% margin)
Okaloosa County: $351,200
Median gross rent
$1,417
±$88 (90% margin)
Okaloosa County: $1,612
Where is Census Tract 221?
Census Tract 221 is one of 49 census tracts in Okaloosa County, Florida. It covers 0.79 square miles of land, 4,492 residents per square mile in 2020. Its GEOID, 12091022100, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Ocean City | 72% |
| Wright | 23% |
| Fort Walton Beach | 4% |
6 census tracts border Census Tract 221: Tract 218.02 ($72,531), Tract 220.01 ($51,974), Tract 220.02 ($82,750), Tract 223 ($69,417), Tract 224 ($81,553) and Tract 225 ($85,278). 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 221?
The 2020-2024 American Community Survey puts Census Tract 221's population at 3,636 (±453) in 1,584 households; the 2020 Census counted 3,549 residents and 1,569 housing units.
| Measure | Tract 221 | Ocean City |
|---|---|---|
| Total population | 3,636 ±453 | 5,941 |
| Households | 1,584 ±260 | 2,631 |
| Average household size | 2.30 ±0.23 | 2.26 |
| Housing units | 1,775 ±238 | 3,076 |
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 221?
The median resident of Census Tract 221 is 37.6 years old; 18.6% are under 18 and 12.3% are 65 or older. The largest group is non-Hispanic white residents at 65.7%, then Hispanic or Latino residents (of any race) at 18.4%. 18.0% of residents were born outside the United States.
| Measure | Tract 221 | Ocean City |
|---|---|---|
| Median age | 37.6 ±6.1 | 37.6 |
| Under 18 years | 18.6% ±3.9 pts | 17.6% |
| 65 years and over | 12.3% ±3.0 pts | 13.9% |
| Hispanic or Latino (any race) | 18.4% ±9.5 pts | 19.8% |
| White alone, not Hispanic | 65.7% ±11.8 pts | 65.3% |
| Black or African American alone, not Hispanic | 2.4% ±2.2 pts | 5.3% |
| Asian alone, not Hispanic | 6.4% ±4.0 pts | 2.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.2% ±0.3 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.4 pts | 0.0% |
| Two or more races, not Hispanic | 6.9% ±5.5 pts | 6.7% |
| Some other race alone, not Hispanic | 0.0% ±1.4 pts | 0.0% |
| Born outside the United States | 18.0% ±8.7 pts | 14.8% |
| Speak a language other than English at home (age 5+) | 18.8% ±8.4 pts | 17.7% |
| Civilian veterans (age 18+) | 13.3% ±4.8 pts | 13.5% |
| With a disability | 13.3% ±4.3 pts | 16.3% |
| No health insurance coverage | 18.7% ±5.9 pts | 16.0% |
| High school graduate or higher (age 25+) | 87.9% ±3.6 pts | 87.5% |
| Bachelor's degree or higher (age 25+) | 22.2% ±5.6 pts | 26.5% |
| Graduate or professional degree (age 25+) | 5.2% ±3.1 pts | 7.5% |
| Lived in the same house a year earlier | 68.8% ±12.3 pts | 70.1% |
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 221 earn?
Half of the 1,584 households in Census Tract 221 earn less than $60,500 a year (±$10,079), against $81,998 across Okaloosa County: 41st highest of the county's 47 tracts with a reliable estimate. 4.6% of residents live below the poverty line.
| Measure | Tract 221 | Ocean City |
|---|---|---|
| Median household income | $60,500 ±$10,079 | $59,039 |
| Mean household income | $72,804 ±$8,091 | $80,348 |
| Per capita income | $31,733 ±$4,290 | $35,536 |
| People below the poverty line | 4.6% ±2.4 pts | 9.2% |
| Children under 18 below the poverty line | 3.0% ±5.4 pts | 12.1% |
| Households receiving SNAP | 7.8% ±5.3 pts | 8.9% |
| Households with a computer | 94.6% ±3.2 pts | 95.1% |
| Households with a broadband subscription | 94.5% ±3.6 pts | 93.2% |
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 221?
Owners occupy 63.2% of Census Tract 221's occupied homes and renters 36.8%. The median owner-occupied home is valued at $277,900 by its owner (±$28,628). The median renter pays $1,417 a month including utilities, and 44.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 221 | Ocean City |
|---|---|---|
| Median home value (owner-occupied) | $277,900 ±$28,628 | $303,900 |
| Median gross rent | $1,417 ±$88 | $1,443 |
| Renters paying 35% or more of income on rent | 44.4% ±16.6 pts | 38.6% |
| Median monthly owner costs, with a mortgage | $1,623 ±$52 | $1,720 |
| Owner-occupied homes | 63.2% ±9.9 pts | 57.7% |
| Renter-occupied homes | 36.8% ±9.9 pts | 42.3% |
| Housing units | 1,775 ±238 | 3,076 |
| Single-family detached homes | 75.3% ±7.4 pts | 65.9% |
| Mobile homes | 3.9% ±4.7 pts | 3.1% |
| Built 2020 or later | 0.0% ±2.9 pts | 0.0% |
| Built 2010 to 2019 | 10.2% ±5.3 pts | 7.0% |
| Built 1939 or earlier | 0.0% ±2.9 pts | 0.5% |
| Households with no vehicle | 1.3% ±1.2 pts | 1.4% |
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 221 get to work?
67.7% of Census Tract 221's workers drive alone. The average trip to work takes 27.1 minutes.
| Measure | Tract 221 | Ocean City |
|---|---|---|
| In the labor force (age 16+) | 74.7% ±5.2 pts | 71.9% |
| Unemployment rate | 0.5% ±0.8 pts | 4.4% |
| Drove alone to work | 67.7% ±9.7 pts | 78.1% |
| Carpooled | 23.5% ±8.5 pts | 18.1% |
| Public transportation | 0.0% ±2.3 pts | 0.0% |
| Walked | 0.0% ±2.3 pts | 0.0% |
| Worked from home | 8.0% ±6.5 pts | 3.4% |
| Mean travel time to work | 27.1 min ±4.7 | 25.0 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 221 compare with the other tracts in Okaloosa County?
Among Okaloosa County's tracts with a reliable estimate, Census Tract 221 ranks as shown below (1 = highest).
| Measure | In Okaloosa County |
|---|---|
| Population | 31st of 47 |
| Residents per square mile | 5th of 47 |
| Median household income | 41st of 47 |
| Per capita income | 39th of 47 |
| Median home value | 35th of 46 |
| Median gross rent | 30th of 42 |
| Poverty rate | 29th of 30 |
| Bachelor's degree or higher | 39th of 47 |
| Median age | 31st of 47 |
| Owner-occupied share | 30th of 46 |
The tracts next to it on Okaloosa County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 204 | 38th | $67,048±$12,910 · within the margin of this tract |
| Tract 232 | 39th | $65,870±$17,296 · within the margin of this tract |
| Tract 205 | 40th | $64,389±$8,575 · within the margin of this tract |
| Tract 221 | 41st | $60,500±$10,079 |
| Tract 233.07 | 42nd | $60,274±$15,846 · within the margin of this tract |
| Tract 207.01 | 43rd | $59,125±$22,900 · within the margin of this tract |
| Tract 228 | 44th | $52,435±$17,728 · 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 221?
2 of the 18 figures for Census Tract 221 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