Everything You Should Know Before Moving to Choctaw Beach, FL
Thinking about settling in Choctaw Beach, FL? This peaceful Gulf Coast community of about 1,100 residents enjoys affordable living with median home prices around $345,000 and average rents of $1,400. Residents benefit from low crime rates, short 30-minute commutes, and a friendly, small-town atmosphere. With highly rated local schools, abundant sunny days, and easy access to healthcare and the outdoors, Choctaw Beach offers a relaxed Florida lifestyle close to the Emerald Coast’s best amenities.
Demographics - Choctaw Beach, FL
Demographics - Choctaw Beach, FL
Choctaw Beach is a small, close-knit community of about 1,100 residents, with a median age of 46.8 that reflects a balanced mix of families and retirees. The population is predominantly White, with a modest presence of Black, Asian, and other ethnic groups, and about 7% of residents speak a language other than English at home.
Population:
1,100
Density:
315 per sq mi
Median Age:
46.8
Gender Ratio:
101 males per 100 females
Non-English Speakers Percentage:
7.4%
Ethnic Composition
White:
86.2%
Black:
5.1%
Asian:
2.0%
Others:
6.7%
Cost Of Living
What is the average cost of living in Choctaw Beach, FL?
Living in Choctaw Beach is generally affordable, with a median home value of $345,000 and average rents around $1,400. The overall cost of living index is slightly below the national average, and residents benefit from low state taxes and reasonable utility expenses.
Median House Value:
$345,000
Gross Rent:
$1,400
Monthly Electricity Charges:
$145
Auto Insurance:
$2,070
House Owner Cost With Mortgage:
$1,790
House Owner Cost Without Mortgage:
$590
State Taxes:
Low:
0%
|
High:
5.5%
Cost Of Living Index:
97.5
Grocery:
102.3
Housing:
98.1
Utilities:
105.0
Transportation:
98.7
Health Care:
96.2
Miscellaneous:
97.4
Crime
Is Choctaw Beach, FL a safe place to live?
Choctaw Beach offers a sense of safety with a low violent crime rate of 238 incidents per 100,000 residents and a property crime rate of 1,690 per 100,000. Residents can expect a lower risk of crime compared to many other Florida communities, contributing to its peaceful, small-town appeal.
Violent Crimes Per 100k:
238
Property Crimes Per 100k:
1,690
Crime Index:
1,928
Chance Of Violent Crime:
1 in 420
Chance Of Property Crime:
1 in 59
Weather
What is the weather like in Choctaw Beach, FL year-round?
The area enjoys a mild climate with warm summers reaching highs of 91°F and mild winters rarely dropping below 42°F. With 67% sunny days and about 66 inches of annual rainfall, Choctaw Beach is ideal for those who appreciate plenty of sunshine and outdoor activities year-round.
Winter
Min:
42°F
Max:
65°F
Spring
Min:
56°F
Max:
77°F
Summer
Min:
72°F
Max:
91°F
Fall
Min:
60°F
Max:
81°F
Average Rainfall Inches:
66.0 inches
Sunny Days Percentage:
67%
Neighbors
Households in Choctaw Beach typically earn a median income of $68,900, and the area boasts a low unemployment rate of 3.3%. Most residents have at least a high school diploma, and daily life is marked by low poverty rates and an average commute time of just under 30 minutes.
Median Income:
$38,400
Household Income:
$68,900
Family Income:
$79,400
Per Capita Income:
$32,000
Income Male:
$39,800
Income Female:
$28,900
Poverty Rate:
10.2%
Non English Speakers:
7.4%
Rent:
$1,400
Unemployment Rate:
3.3%
Public Transport Usage:
0.9%
Commute Time:
29.7 minutes
Education
High School or Higher:
91.8%
Bachelors or More:
26.4%
Education
How are the schools in Choctaw Beach, FL?
Families benefit from quality public schools with favorable student-teacher ratios and several private education options nearby. Higher education is accessible as well, with Northwest Florida State College just 13 miles away, serving over 7,000 students.
Public Schools
Name:
Freeport Elementary School
Street:
15381 US Hwy 331 S, Freeport, FL 32439
Phone:
850-892-1211
Students:
1,020
Student Teacher Ratio:
15.5
Name:
Freeport Middle School
Street:
360 Kylea Laird Dr, Freeport, FL 32439
Phone:
850-892-1221
Students:
600
Student Teacher Ratio:
16.1
Private Schools
Name:
Gateway Academy
Street:
122 Staff Dr NE, Fort Walton Beach, FL 32548
Phone:
850-864-5501
Students:
210
Colleges
Name:
Northwest Florida State College
City:
Niceville
State:
FL
Distance:
13 miles
Students:
7,600
Healthcare
Residents have convenient access to quality healthcare, with two major hospitals nearby and a solid ratio of 2.2 physicians per 1,000 people. About 89% of locals have health insurance, ensuring reliable medical coverage and services.
Major Hospitals
Name:
Ascension Sacred Heart Hospital Emerald Coast
Address:
7800 US-98, Miramar Beach, FL 32550
Phone:
(850) 278-3000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Fort Walton Beach Medical Center
Address:
1000 Mar Walt Dr, Fort Walton Beach, FL 32547
Phone:
(850) 862-1111
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.2
Health Insurance Coverage:
89.1%
Health Care Index:
77.3
Housing Market
What is the housing market like in Choctaw Beach, FL?
The housing market is stable with a median home price of $345,000 and 80% owner occupancy, reflecting a strong sense of community. Home values have appreciated by over 6% in the past year, and rental options remain accessible with a vacancy rate of 6.6%.
Median Home Price:
$345,000
Average Rent For 2 Bedroom:
$1,400
Owner Occupied Rate:
80.4%
Rental Vacancy Rate:
6.6%
Home Appreciation Rate (1yr):
6.2%
New Construction Rate:
2.5%
Foreclosure Rate:
0.7%
DMV Information
Choctaw Beach residents can take care of vehicle and licensing needs at the Florida Department of Highway Safety and Motor Vehicles office in Destin, located a short drive away. The office offers full DMV services and is easily accessible for local residents.
State:
Florida
Department:
Florida Department of Highway Safety and Motor Vehicles
Address:
733 Hwy 98 E, Destin, FL 32541
Phone:
850-651-7300
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.