Census tract · Okaloosa County
Census Tract 228, Okaloosa County, Florida
Census Tract 228, GEOID 12091022800, in Okaloosa County, Florida, entirely within Fort Walton Beach. 2,344 residents in the ACS 2020-2024 5-year estimates (±371); the 2020 Census counted 2,252.
Residents, 2020-2024
2,344
±371 (90% margin)
2020 Census count: 2,252
Median household income
$52,435
±$17,728 (90% margin)
Okaloosa County: $81,998
Median home value
$271,500
±$19,947 (90% margin)
Okaloosa County: $351,200
Median gross rent
$1,275
±$148 (90% margin)
Okaloosa County: $1,612
Where is Census Tract 228?
Census Tract 228 is one of 49 census tracts in Okaloosa County, Florida. It covers 0.44 square miles of land, 5,177 residents per square mile in 2020. Its GEOID, 12091022800, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Fort Walton Beach | 100% |
5 census tracts border Census Tract 228: Tract 219.01 ($45,417), Tract 219.02 ($77,023), Tract 225 ($85,278), Tract 227 ($68,513) and Tract 229 ($75,402). 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 228?
The 2020-2024 American Community Survey puts Census Tract 228's population at 2,344 (±371) in 1,041 households; the 2020 Census counted 2,252 residents and 1,041 housing units.
| Measure | Tract 228 | Fort Walton Beach |
|---|---|---|
| Total population | 2,344 ±371 | 21,025 |
| Households | 1,041 ±203 | 8,817 |
| Average household size | 2.25 ±0.24 | 2.34 |
| Housing units | 1,140 ±187 | 9,901 |
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 228?
The median resident of Census Tract 228 is 42.7 years old; 14.5% are under 18 and 18.0% are 65 or older. The largest group is non-Hispanic white residents at 62.7%, then Hispanic or Latino residents (of any race) at 18.0%. 22.4% of residents were born outside the United States.
| Measure | Tract 228 | Fort Walton Beach |
|---|---|---|
| Median age | 42.7 ±6.9 | 39.1 |
| Under 18 years | 14.5% ±3.5 pts | 22.1% |
| 65 years and over | 18.0% ±5.3 pts | 19.7% |
| Hispanic or Latino (any race) | 18.0% ±8.4 pts | 13.0% |
| White alone, not Hispanic | 62.7% ±8.8 pts | 64.0% |
| Black or African American alone, not Hispanic | 7.2% ±4.6 pts | 11.6% |
| Asian alone, not Hispanic | 9.6% ±7.0 pts | 4.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±2.2 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±2.2 pts | 0.7% |
| Two or more races, not Hispanic | 2.6% ±1.8 pts | 5.9% |
| Some other race alone, not Hispanic | 0.0% ±2.2 pts | 0.7% |
| Born outside the United States | 22.4% ±7.5 pts | 9.4% |
| Speak a language other than English at home (age 5+) | 24.2% ±9.5 pts | 14.7% |
| Civilian veterans (age 18+) | 19.1% ±5.2 pts | 16.9% |
| With a disability | 17.3% ±4.4 pts | 16.1% |
| No health insurance coverage | 23.5% ±7.7 pts | 14.9% |
| High school graduate or higher (age 25+) | 90.7% ±6.2 pts | 91.9% |
| Bachelor's degree or higher (age 25+) | 21.6% ±6.9 pts | 29.7% |
| Graduate or professional degree (age 25+) | 9.3% ±4.2 pts | 9.1% |
| Lived in the same house a year earlier | 82.6% ±6.6 pts | 86.0% |
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 228 earn?
Half of the 1,041 households in Census Tract 228 earn less than $52,435 a year (±$17,728), against $81,998 across Okaloosa County: 44th highest of the county's 47 tracts with a reliable estimate. 11.0% of residents live below the poverty line.
| Measure | Tract 228 | Fort Walton Beach |
|---|---|---|
| Median household income | $52,435 ±$17,728 | $68,538 |
| Mean household income | $72,512 ±$12,167 | $89,319 |
| Per capita income | $33,628 ±$4,087 | $37,937 |
| People below the poverty line | 11.0% ±5.3 pts | 13.3% |
| Children under 18 below the poverty line | 6.5% ±8.2 pts | 21.2% |
| Households receiving SNAP | 10.3% ±5.8 pts | 10.0% |
| Households with a computer | 91.9% ±8.3 pts | 96.7% |
| Households with a broadband subscription | 82.9% ±9.9 pts | 87.7% |
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 228?
Owners occupy 58.0% of Census Tract 228's occupied homes and renters 42.0%. The median owner-occupied home is valued at $271,500 by its owner (±$19,947). The median renter pays $1,275 a month including utilities, and 59.6% of renters pay 35% or more of their income on rent.
| Measure | Tract 228 | Fort Walton Beach |
|---|---|---|
| Median home value (owner-occupied) | $271,500 ±$19,947 | $321,800 |
| Median gross rent | $1,275 ±$148 | $1,307 |
| Renters paying 35% or more of income on rent | 59.6% ±16.5 pts | 44.5% |
| Median monthly owner costs, with a mortgage | $1,563 ±$341 | $1,872 |
| Owner-occupied homes | 58.0% ±10.0 pts | 61.8% |
| Renter-occupied homes | 42.0% ±10.0 pts | 38.2% |
| Housing units | 1,140 ±187 | 9,901 |
| Single-family detached homes | 58.9% ±9.9 pts | 67.0% |
| Mobile homes | 0.0% ±4.5 pts | 0.1% |
| Built 2020 or later | 0.7% ±1.0 pts | 0.3% |
| Built 2010 to 2019 | 1.0% ±1.2 pts | 7.2% |
| Built 1939 or earlier | 0.0% ±4.5 pts | 0.6% |
| Households with no vehicle | 2.9% ±3.4 pts | 4.2% |
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 228 get to work?
81.8% of Census Tract 228's workers drive alone and 8.1% work from home. The average trip to work takes 24.9 minutes.
| Measure | Tract 228 | Fort Walton Beach |
|---|---|---|
| In the labor force (age 16+) | 70.1% ±6.7 pts | 65.9% |
| Unemployment rate | 2.1% ±2.0 pts | 3.5% |
| Drove alone to work | 81.8% ±5.9 pts | 81.2% |
| Carpooled | 9.5% ±6.2 pts | 5.9% |
| Public transportation | 0.0% ±3.8 pts | 0.4% |
| Walked | 0.0% ±3.8 pts | 1.7% |
| Worked from home | 8.1% ±4.0 pts | 8.4% |
| Mean travel time to work | 24.9 min ±2.5 | 22.7 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 228 compare with the other tracts in Okaloosa County?
Among Okaloosa County's tracts with a reliable estimate, Census Tract 228 ranks as shown below (1 = highest).
| Measure | In Okaloosa County | In Fort Walton Beach |
|---|---|---|
| Population | 42nd of 47 | 6th of 6 |
| Residents per square mile | 2nd of 47 | 1st of 6 |
| Median household income | 44th of 47 | 5th of 6 |
| Per capita income | 38th of 47 | 5th of 6 |
| Median home value | 37th of 46 | 5th of 6 |
| Median gross rent | 35th of 42 | 5th of 6 |
| Poverty rate | 12th of 30 | 2nd of 5 |
| Bachelor's degree or higher | 40th of 47 | 5th of 6 |
| Median age | 13th of 47 | 3rd of 6 |
| Owner-occupied share | 37th of 46 | 5th of 6 |
The tracts next to it on Okaloosa County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 221 | 41st | $60,500±$10,079 · within the margin of this tract |
| 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 |
| Tract 220.01 | 45th | $51,974±$5,041 · within the margin of this tract |
| Tract 219.01 | 46th | $45,417±$27,379 · within the margin of this tract |
| Tract 226 | 47th | $40,625±$4,966 · 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 228?
1 of the 18 figures for Census Tract 228 on this page carries a coefficient of variation over 40% and is 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