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Florida / Okaloosa County / Destin

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Destin

City, Okaloosa County. Population 14,640 (2025), +0.2% on the prior year, +5.1% since 2020 Last updated 2026-10-04.

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Destin

Boundary: US Census Bureau TIGER/Line, simplified for drawing. 7.5 square miles of land.

Population

2025
Population14,640Population, April 1, 1985 to 2025198514.6k high2025
Change since the prior year+0.2%2024 to 2025
Change since 2020+5.1%2020 to 2025
Census 202013,9312020

University of Florida Bureau of Economic and Business Research, Florida Estimates of Population, retrieved 2026-10-01 | Population estimates

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Basis of the latest figureestimate2025

Population by year

April 1 of each year. Basis is census in a census year, otherwise BEBR's estimate.

YearPopulationBasisChange
202514,640estimate+0.2%
202414,608estimate+0.1%
202314,594estimate+0.8%
202214,472estimate+1.8%
202114,217estimate+2.1%
202013,931census+3.6%
201913,441estimate+1.1%
201813,289estimate+1.3%
201713,116estimate+1.7%
201612,898estimate+1.3%
201512,730estimate+1.5%
201412,541estimate+0.5%
201312,474estimate+0.6%
201212,404estimate+0.7%
201112,319estimate+0.1%
201012,305census+0.5%
200912,239estimate+0.1%
200812,225estimate0.0%
200712,225estimate+1.0%
200612,098estimate+0.2%
200512,071estimate+0.5%
200412,015estimate+2.0%
200311,784estimate+1.1%
200211,658estimate+2.1%
200111,413estimate+2.6%
200011,119census-5.9%
199911,815estimate+4.0%
199811,363estimate+6.3%
199710,690estimate+9.1%
19969,802estimate+4.5%
19959,381estimate+4.4%
19948,985estimate+3.9%
19938,644estimate+4.6%
19928,260estimate+1.6%
19918,129estimaten/a
19897,498estimate+2.4%
19887,319estimate+2.1%
19877,167estimate+10.2%
19866,505estimate+2.9%
19856,322estimaten/a

Labor force (county figures)

Aug 2026

County figures, no city estimate published by FloridaCommerce

Unemployment rate (Okaloosa County)4.4%Unemployment rate, not seasonally adjusted, Aug 2016 to Aug 2026Aug 201612.7% highAug 2026
Labor force (Okaloosa County)101,762Aug 2026
Employment (Okaloosa County)97,323Aug 2026
Unemployed (Okaloosa County)4,439Aug 2026
Rate a year earlier4.0%Aug 2025
Labor force, change on a year earlier-0.3%Aug 2026

US Bureau of Labor Statistics, Local Area Unemployment Statistics, retrieved 2026-10-01 | Labor force page

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Latest month is preliminaryyesAug 2026

Monthly, last three years

Not seasonally adjusted. The latest month may be preliminary.

MonthLabor forceEmployedUnemployedRate
Aug 2026101,76297,3234,4394.4%
Jul 2026101,80197,2214,5804.5%
Jun 2026102,05697,5474,5094.4%
May 2026101,12696,8064,3204.3%
Apr 2026100,63696,1684,4684.4%
Mar 2026100,18995,8754,3144.3%
Feb 202699,10794,2964,8114.9%
Jan 202698,19293,2724,9205.0%
Dec 202598,55494,1524,4024.5%
Nov 202599,25194,3584,8934.9%
Sep 2025100,84796,7224,1254.1%
Aug 2025102,07097,9604,1104.0%
Jul 2025103,32599,3373,9883.9%
Jun 2025102,43398,6723,7613.7%
May 2025100,95897,5873,3713.3%
Apr 2025100,07796,8903,1873.2%
Mar 202599,81696,5243,2923.3%
Feb 202597,68794,2993,3883.5%
Jan 202597,88594,3503,5353.6%
Dec 202497,62994,6003,0293.1%
Nov 202498,32294,9303,3923.4%
Oct 2024100,94397,6553,2883.3%
Sep 2024101,32798,0763,2513.2%
Aug 2024102,57699,0673,5093.4%
Jul 2024104,147100,5543,5933.4%
Jun 2024102,76699,4303,3363.2%
May 2024101,30198,4732,8282.8%
Apr 2024100,11997,5032,6162.6%
Mar 202499,91397,0782,8352.8%
Feb 202497,47594,5282,9473.0%
Jan 202497,02093,9333,0873.2%
Dec 202398,07695,4042,6722.7%
Nov 202399,25096,3592,8912.9%
Oct 2023100,92397,9153,0083.0%
Sep 2023102,01499,0532,9612.9%
Aug 2023103,167100,1103,0573.0%

Annual averages

YearLabor forceEmployedUnemployedRate
2025100,26496,4413,8233.8%
2024100,29597,1523,1433.1%
2023100,87598,1772,6982.7%
202299,64897,0732,5752.6%
202197,34893,9133,4353.5%
202094,12588,6955,4305.8%
201995,24792,5962,6512.8%
201894,28391,3862,8973.1%
201793,45490,1463,3083.5%
201692,80689,0273,7794.1%
201591,62787,4384,1894.6%
201491,49186,5914,9005.4%
201391,55786,0765,4816.0%
201290,67784,3626,3157.0%
201190,58683,3897,1977.9%

Sales and visitor spending

12 months to Mar 2026
BusinessFlare® estimate, last 12 months$1,230.0M

Monthly series, visitor, resident and big ticket groups, chart and workbook with the pass. Get the pass / Sign in Wide error flag.

Pass holders: once signed in on the pass page, the monthly estimate loads here.

Economic Census geographic area series, retail trade and accommodation and food services, 2017 and 2022, retrieved 2026-10-01; BusinessFlare® city-level sales and visitor spending estimate (method and error; the figures are Street Economics Pass data), retrieved 2026-10-04 | How the estimate is made

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BusinessFlare® estimate from public sources. The estimate anchors on the sales the US Census Bureau published for this place in the 2017 and 2022 Economic Census, for retail trade and for accommodation and food services, and moves them month by month with the county's sales tax returns by kind of business (Florida Department of Revenue Form 10). After the 2022 anchor the place's share of the county moves with the growth of its commercial property on the Department's 2026 tax roll, as submitted by the county property appraiser, by use code: stores, shopping centers, supermarkets and auto dealers for retail; restaurants, bars and hotels for accommodation and food. The three spending groups follow the county's kind code mix within each sector. Every place with both anchors was carried from 2017 to 2022 the same way and the landing on the 2022 Census figure is the published error.

A landing error over 25% carries a wide error flag. The error is published with every figure; an estimate is never shown without it. Rounded to the nearest hundred thousand dollars; the monthly series is pass data.

Statewide median error, 2017 to 2022 back-test15.7%2017 to 2022
Retail trade (NAICS 44-45): Census sales 2017$775M2017
Retail trade (NAICS 44-45): Census sales 2022$860M2022
Retail trade (NAICS 44-45): 2022 landing error35.4%2022
Accommodation and food services (NAICS 72): Census sales 2017$281M2017
Accommodation and food services (NAICS 72): Census sales 2022$391M2022
Accommodation and food services (NAICS 72): 2022 landing error12.0%2022

Economic Census anchors and the back-test

SectorCensus sales 2017Census sales 20222017 carried to 2022Landing error
Retail trade (NAICS 44-45)$775M$860M$1.16B35.4%
Accommodation and food services (NAICS 72)$281M$391M$438M12.0%
  • wide error: the 2017 carry-forward landed 35% from the 2022 Census figure for Retail trade (NAICS 44-45)

Business base

Aug 2026
Licensed food service, lodging and alcohol businesses1,160New licenses by month, Sep 2016 to Aug 2026Sep 201646 highAug 2026
Food service licenses205Aug 2026
Lodging licenses782Aug 2026
Alcoholic beverage licenses173Aug 2026
New licenses, last 12 months44Aug 2026
New business filings, last 12 months (postal city)889Sep 2026
Change on the 12 months before+3.6%Sep 2026
New filings, latest month47Sep 2026

County Business Patterns and ZIP Code Business Patterns, complete data files, retrieved 2026-10-01; Florida DBPR active licensure base files: public food service, public lodging and retail alcoholic beverage licenses, retrieved 2026-10-01; Florida Division of Corporations (Sunbiz) bulk corporate data files, new entity filings by month, retrieved 2026-10-01 | Licenses Business formations

Licenses are placed inside the city limits by their geocoded address.

Business formations are by postal city: Destin, which is not the city limits.

Establishments, employment and payroll are a ZIP code basis: ZIP codes 32541.

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Establishments (ZIP basis)1,4472023
Employees, mid March (ZIP basis)13,8232023
Annual payroll (ZIP basis)$618M2023

Licenses by type

Counted licenses in DBPR's food service, lodging and alcoholic beverage files, placed by geocoded address.

License typeFileActive
2007-DWEL-SNGLlodging331
2006-CNDO-SNGLlodging208
2010-SEATfood159
2006-CNDO-CLCTlodging83
2007-DWEL-CLCTlodging72
4COP-SFSalcohol63
2006-CNDO-GRPlodging52
2APSalcohol39
2COPalcohol31
2014-MFDVfood31
4COPalcohol17
2001-HOTLlodging15
2010-NOSTfood12
2007-DWEL-GRPlodging11
4COP-Salcohol6
2003-NAPTlodging6
2002-MOTLlodging4
5COP-SFSalcohol4
11Calcohol3
3PSalcohol3
4COP-SPXalcohol2
2013-CATRfood2
11CGalcohol1
13CTalcohol1
4COP-SBXalcohol1
4COP-SPXEalcohol1
2014-HTDGfood1
5COPalcohol1

Filings by entity type, last 12 months

Sunbiz new entity filings by the ZIP code of the principal address, grouped to the USPS postal city (postal city: Destin)

Entity typeLast 12 months12 months before
Florida limited liability companies798768
Florida profit corporations4557
Florida non-profit corporations1920
Out of state entities registering in Florida2511
Partnerships, trusts and other filings22

ZIP Code Business Patterns, 2023

ZIP codes 32541: the ZIP codes whose Census internal point falls inside the city limits. A ZIP code crosses the limits, so this is a ZIP basis, not the city.

ZIP codeEstablishmentsEmployeesAnnual payroll
325411,44713,823$618M

Building permits

Aug 2026
Housing units permitted, last 12 months61Housing units permitted by month, Sep 2016 to Aug 2026Sep 2016300 highAug 2026
Change on the 12 months before+7.0%Aug 2026
Permit valuation, last 12 months$24.3MAug 2026
Units, latest month1Aug 2026
Single family units, last 12 months61Aug 2026
Units in buildings of 5 or more, last 12 months0Aug 2026
Units, latest annual table492025

US Census Bureau, Building Permits Survey, place and county residential permits, retrieved 2026-10-01 | Building permits

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Monthly, last three years

Residential permits as the Bureau publishes them; imputed months are the Bureau's imputations.

MonthUnits1 unit5 or moreValuation
Aug 2026110$1M
Jul 2026110$576K
Jun 2026110$1.6M
May 2026660$2.6M
Apr 202615150$2.22M
Mar 2026770$3.74M
Feb 2026220$3.2M
Jan 2026550$742K
Dec 2025220$925K
Nov 2025000$0
Oct 2025220$4.9M
Sep 202519190$2.82M
Aug 2025770$6.85M
Jul 2025220$2M
Jun 2025330$1.77M
May 2025220$994K
Apr 2025330$3.25M
Mar 2025110$500K
Feb 2025840$2.96M
Jan 2025000$0
Dec 2024770$5.35M
Nov 2024880$5.98M
Oct 2024440$3.05M
Sep 202412120$4.98M
Aug 2024110$890K
Jul 2024880$7.35M
Jun 2024220$1.7M
May 2024110$1.5M
Apr 2024550$3.27M
Mar 2024440$3.58M
Feb 2024110$275K
Jan 2024440$3.61M
Dec 2023000$0
Nov 2023770$4.81M
Oct 2023660$8.05M
Sep 2023770$6.06M

Annual table

YearUnits1 unit5 or moreValuation
202549450$27M
202457570$41.5M
202350500$45.8M
20221401400$64.4M
20211121120$50M
20201054954$30.6M
201935310$20.1M
201867550$26.1M
201737074296$65.4M
20161488254$43.7M
201572640$21.3M
201465570$24.9M
201364640$23.3M
201230940269$29.3M
201124240$10M

Property roll

2026 preliminary
Total just value$9.77B
Total taxable value (non school)$8.21B2026 preliminary
Total taxable value (school)$8.48B2026 preliminary
Just value, change on the prior roll-1.8%2025 final roll to 2026 preliminary
Taxable value (non school), change on the prior roll+2.0%2025 final roll to 2026 preliminary
Total just value, prior roll$9.95B2025 final roll
New construction value$56.8M2026 preliminary
Parcels14,2172026 preliminary

Florida Department of Revenue, NAL tax roll, 2026 preliminary and final as posted, retrieved 2026-10-03

Parcels are placed by Census block group through the Census Bureau's block assignment file; a parcel in a block group that straddles the limits is apportioned. Census 2020 block groups; 58% of the county's just value lies in a place. Medians are over the parcels whose block group lies mostly in the place. Qualified sales: the roll's own sale fields, qualification codes 01 and 02, improved, single parcel.

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Median single family just value$421K2026 preliminary
Qualified sales, last 12 months612Jun 2025 to May 2026
Median qualified sale price$582KJun 2025 to May 2026
Just value, residential$8.37B2026 preliminary
Just value, commercial$663M2026 preliminary
Just value, industrial$84.6M2026 preliminary
Just value, vacant$292M2026 preliminary
Just value, institutional$52.1M2026 preliminary
Just value, government$274M2026 preliminary
Just value, other$36.7M2026 preliminary

Just value by use group

Department of Revenue land use codes grouped: residential 001 to 009, commercial 011 to 039, industrial 041 to 049, agricultural 050 to 069, vacant 000, 010, 040 and 070, institutional 071 to 079, government 080 to 089, other 090 to 099. Taxable is the non school taxable value. Just value change compares with the 2025 final roll, summed the same way.

Use groupParcelsJust valueTaxable (non school)New constructionResidential unitsJust value change
Residential12,718$8.37B$7.22B$55.2M12,773-2.8%
Commercial590$663M$644M$253Kn/a+3.3%
Industrial118$84.6M$81.4M$640Kn/a+4.5%
Vacant628$292M$247M$262Kn/a+1.4%
Institutional23$52.1M$8.94M$66.4Kn/a+3.5%
Government80$274M$1.3M$349Kn/a+9.6%
Other61$36.7M$2.44M$0n/a+1.1%

Housing

2020 to 2024 ACS
Housing units13,668Homeownership rate, 1990 to 2024199076.0% high2024
Occupied units6,2212020 to 2024 ACS
Vacant units7,4472020 to 2024 ACS
Owner occupied households4,3382020-2024 5-Year
Renter occupied households1,8832020-2024 5-Year
Homeownership rate69.7%2020 to 2024 ACS
Cost burdened households, all tenures (over 30% of income)32.9%2025
Cost burdened renter households48.5%2025

Shimberg Center for Housing Studies, Florida Housing Data Clearinghouse, retrieved 2026-10-01 | Housing data

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Severely cost burdened renters (over 50%)21.4%2025
Median gross rent$1.94K2020 to 2024 ACS
Median single family sale price$575K2024

Cost burden by income, 2025

Households by the share of income spent on housing, Shimberg Center estimates for 2025.

TenureIncome (share of area median)30% or less30.1 to 50%Over 50%
All households30% AMI or less13446282
All households30.01-50% AMI17777219
All households50.01-80% AMI311430246
All households80.01-120% AMI38729259
All householdsGreater than 120% AMI3,33841568
Renters30% AMI or less11324174
Renters30.01-50% AMI056165
Renters50.01-80% AMI7923175
Renters80.01-120% AMI471460
RentersGreater than 120% AMI7918514
Owners30% AMI or less2122108
Owners30.01-50% AMI1772154
Owners50.01-80% AMI232199171
Owners80.01-120% AMI34014659
OwnersGreater than 120% AMI2,54733054

Single family sales by year

YearMedian priceSales
1996$125K357
1997$136K343
1998$157K413
1999$150K418
2000$157K463
2001$153K456
2002$169K554
2003$206K614
2004$305K707
2005$365K529
2006$280K388
2007$250K272
2008$250K242
2009$230K259
2010$260K226
2011$240K274
2012$254K265
2013$275K313
2014$280K289
2015$315K332

Fiscal

Sep 2026
Half-cent sales tax, latest month$180KHalf-cent sales tax distributions by month, Oct 2016 to Sep 2026Oct 2016$195K highSep 2026
Half-cent sales tax, fiscal year to date$1.61MFY2026 to Sep 2026
Half-cent sales tax, last 12 months$1.61MSep 2026
Half-cent sales tax, change on the 12 months before-4.7%Sep 2026
State revenue sharing, latest month$44.1KSep 2026
State revenue sharing, fiscal year to date$544KFY2026 to Sep 2026
State revenue sharing, last 12 months$544KSep 2026
State revenue sharing, change on the 12 months before+1.2%Sep 2026

Florida Office of Economic and Demographic Research, Expenditures and Revenues Reported by Florida's County and Municipal Governments, retrieved 2026-10-01; Florida Department of Revenue, Revenue Confirmation Online, distributions to local governments, retrieved 2026-10-01; Florida Department of Financial Services, LOGERx local government Annual Financial Report data, long-term debt outstanding, retrieved 2026-10-04 | Distributions Annual financial report

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Total revenues$41.4MFY2024
Revenues, change on the year before-22.9%FY2024
Total expenditures$42.7MFY2024
Expenditures, change on the year before-2.3%FY2024
Revenues per resident$2.83KFY2024
Long-term debt outstanding at year end$56MFY2025
Long-term debt, change on the year before+96.9%FY2025

Half-cent sales tax, monthly distributions

As the Department of Revenue's ledger prints them; a blank month is a month with no line.

MonthDistributed
Sep 2026$180K
Aug 2026$177K
Jul 2026$153K
Jun 2026$141K
May 2026$146K
Apr 2026$112K
Mar 2026$104K
Feb 2026$113K
Jan 2026$100K
Dec 2025$122K
Nov 2025$127K
Oct 2025$132K
Sep 2025$185K
Aug 2025$186K
Jul 2025$160K
Jun 2025$154K
May 2025$147K
Apr 2025$115K
Mar 2025$103K
Feb 2025$117K
Jan 2025$114K
Dec 2024$133K
Nov 2024$130K
Oct 2024$143K
Sep 2024$189K
Aug 2024$182K
Jul 2024$158K
Jun 2024$141K
May 2024$157K
Apr 2024$116K
Mar 2024$103K
Feb 2024$124K
Jan 2024$116K
Dec 2023$134K
Nov 2023$142K
Oct 2023$149K

State revenue sharing, monthly distributions

As the Department of Revenue's ledger prints them; a blank month is a month with no line.

MonthDistributed
Sep 2026$44.1K
Aug 2026$44.1K
Jul 2026$44.1K
Jun 2026$44.8K
May 2026$44.8K
Apr 2026$44.8K
Mar 2026$44.8K
Feb 2026$44.8K
Jan 2026$44.8K
Dec 2025$47.8K
Nov 2025$47.8K
Oct 2025$47.8K
Sep 2025$49.2K
Aug 2025$49.2K
Jul 2025$49.2K
Jun 2025$42.4K
May 2025$42.4K
Apr 2025$42.4K
Mar 2025$42.4K
Feb 2025$42.4K
Jan 2025$42.4K
Dec 2024$42.4K
Nov 2024$46.7K
Oct 2024$46.7K
Sep 2024$46.7K
Aug 2024$46.7K
Jul 2024$46.7K
Jun 2024$48.4K
May 2024$48.4K
Apr 2024$48.4K
Mar 2024$48.4K
Feb 2024$48.4K
Jan 2024$48.4K
Dec 2023$48.4K
Nov 2023$48.4K
Oct 2023$48.4K

Long-term debt by fiscal year

Total long-term debt outstanding at fiscal year end, all funds, as the government reported it to the Department of Financial Services in its Annual Financial Report.

Fiscal yearDebt outstandingChange
FY2025$56M+96.9%
FY2024$28.5M-14.1%
FY2023$33.1M+8.2%
FY2022$30.6M-6.3%
FY2021$32.7M-2.1%
FY2020$33.4M-7.0%
FY2019$35.9M-6.5%
FY2018$38.4M-5.5%
FY2017$40.6M-4.4%
FY2016$42.5M-4.6%
FY2015$44.6M-1.1%
FY2014$45M-9.1%
FY2013$49.6Mn/a

Revenues by category, FY2024

Sum of the fund columns in EDR's workbook for this government.

CategoryFY2024FY2023Change
General Government Taxes$16.2M$14.3M+13.4%
Permits, Fees, and Special Assessments$5.38M$5.91M-9.0%
Intergovernmental Revenues$6.42M$17.7M-63.6%
Charges for Services$1.74M$1.52M+15.0%
Judgments, Fines, and Forfeits$95.5K$108K-11.3%
Miscellaneous Revenues$4.51M$1.95M+130.6%
Other Sources$6.99M$12.2M-42.6%
Taxesn/an/an/a
Intergovernmental Revenuen/an/an/a
Permits and Franchise Feesn/an/an/a

Expenditures by category, FY2024

Sum of the fund columns in EDR's workbook for this government.

CategoryFY2024FY2023Change
General Government Services (Not Court-Related)$8.14M$7.73M+5.3%
Public Safety$5.26M$4.4M+19.4%
Physical Environment$1.94M$551K+252.7%
Transportation$5.82M$6.93M-16.0%
Economic Environment$9.4M$244K+3748.3%
Human Services$74.8K$53.5K+40.0%
Culture / Recreation$5.18M$19M-72.7%
Other Uses and Non-Operating$6.87M$4.82M+42.5%
Other Usesn/an/an/a

Bank deposits

June 30, 2026
Deposits (offices reporting this city)$1.58BDeposits, June 30 each year, 1994 to 20261994$2.32B high2026
Change on a year earlier+5.6%June 30, 2026
Change, real+2.3%June 30, 2026
Branches15June 30, 2026
Institutions14June 30, 2026
Branches opened since the survey a year earlier1June 30, 2026
Branches closed since the survey a year earlier1June 30, 2026

FDIC Summary of Deposits, Florida offices, every June 30 since 1994, retrieved 2026-10-01 | Bank deposits

Offices whose reported city is Destin.

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Offices, June 30, 2026

Deposits as each office reports them to the FDIC; the city is the one the bank reports, not a municipal boundary.

InstitutionBranchAddressCityDeposits
Hancock Whitney BankDestin Branch14075 Emerald Coast PkwyDestin$312M
Renasant BankDestin 98 Palms Blvd Branch2000 Ninety-Eight Palms Blvd.Destin$160M
Bank of America, National AssociationDestin Branch1014 Highway 98 EDestin$157M
Wells Fargo Bank, National AssociationDestin West Branch34877 Emerald Coast PkwyDestin$150M
Regions BankDestin Main Branch100 Main StDestin$130M
Trustmark BankWest Destin Main Branch16045 Emerald Coast PkwyDestin$122M
Regions BankKelly Plantation Branch34725 Emerald Coast PkwyDestin$103M
SmartBankDestin Branch34990 Emerald Coast Pkwy, Suite 100Destin$98.7M
Truist BankEmerald Coast Parkway Branch34901 Emerald Coast PkwyDestin$87.4M
Pinnacle BankDestin Midbay Branch34910 Emerald Coast PkwyDestin$74.4M
United Community BankDestin Florida Branch35008 Emerald Coast PkwyDestin$57.9M
Centennial BankDestin Branch34855 Emerald Coast PkwyDestin$47.4M
PNC Bank, National AssociationDestin Midbay Branch34905 Emerald Coast PkwyDestin$37.5M
FNBT BANKDestin Branch415 Highway 98 EDestin$36.9M
River Bank & TrustDestine Office Branch36150 Emerald Coast Pkwy, Ste 106Destin$6.87M

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